vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: MA

Complaint narrative:
I am filing this complaint because my credit report contains several accounts that do not belong to me. After identifying these accounts, I contacted the creditor directly, and they confirmed that the accounts were opened by another individual and are not mine. The creditor also informed me that they have agreed to delete these accounts from my file and will notify the credit bureaus to remove them. Despite this confirmation, the credit bureaus continue to report these fraudulent accounts under my name, causing ongoing harm and inaccurate reporting. 

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 2025-12-02 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate and unverified items appearing on my XXXX  credit report dated XX/XX/year>. These accounts are reporting incorrect balances, dates, payment histories, or statuses. Please reinvestigate and delete any information that can not be fully verified.

ACCOUNTS IN DISPUTE ( XXXX, XXXX  & XXXX  ) US Dept of Education Collection/Charge-off {$3200.00} Any item reporting incorrect dates or payment histories Under FCRA, I request : Complete documentation validating each account Name, address, and method of verification ( MOV ) Proof of legal assignment for collection accounts Original signed agreement ( s ) bearing my signature Full payment ledgers verifying each late payment If verification can not be provided, please delete the disputed items immediately under FCRA 611 ( a ) ( 5 ) ( A ).

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX  XXXX # account XXXX has violated my rights.

Title 15 of the United States Code 1681, Section 602 A, states that I have the right to privacy Title 15 of the United States Code 1681, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

Late payments are 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
All three companies LVNV Funding LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX are reporting collection accounts with outstanding balances on my XXXX  credit report.

All three of these debts were fully paid through court-ordered wage garnishment approximately two years ago. I provided XXXX  with proof of the garnishment, including documentation and paystub deductions.

Despite this, the companies continue to report : Incorrect balances Incorrect past-due amounts Open/active collection status A delinquency that no longer exists During my XXXX  dispute, all three furnishers verified false information. They confirmed the wrong balances and failed to correct the accounts to Paid, Satisfied, Closed, or {$0.00} balance.

This is a violation of : FCRA 1681s-2 ( a ) Furnishing inaccurate information FCRA 1681s-2 ( b ) Failing to reasonably investigate disputed information FDCPA 807 ( 2 ) ( A ) Misrepresenting the amount or legal status of a debt These companies did NOT provide validation of the balances I disputed, nor did they correct the reporting. They simply verified incorrect information.

I am requesting that the CFPB require these furnishers to : 1. Provide full documentation proving the accuracy of their reported balances, including full post-judgment garnishment accounting records, OR 2. Delete the accounts entirely from my credit reports for continued inaccurate reporting and improper verification.

I am attaching proof that these debts were satisfied through wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion and Experian are reporting multiple inaccurate, outdated, and improperly verified items on my credit file, creating ongoing harm and violating several provisions of the FCRA and FDCPA. Both bureaus continue to list unauthorized addresses XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which I have never lived at, violating FCRA 605 and 607 ( b ). They also report a false late payment on a closed XXXX account with impossible dates and no proper reinvestigation under FCRA 611, 623 ( a ) ( 1 ) ( A ), and 623 ( b ). Charge-offs from XXXX XXXX XXXX and XXXX are being reported with inconsistent balances, missing or incorrect DOFD, and without proper debt validation, violating FDCPA 807, 808, 809 and FCRA 605 ( a ), 605 ( c ), and 623 ( a ) ( 5 ). XXXX XXXX XXXX is reporting XXXX medical collection accounts tied to XXXX XXXX XXXX without providing validation or a permissible purpose for accessing or furnishing data, violating FCRA 604 ( a ), 611, and 605 ( a ). Additionally, an unauthorized hard inquiry from XXXX XXXX XXXXXXXX dated XX/XX/year> appears without consent or legal basis. These bureaus and furnishers have ignored my disputes, failed to correct inaccurate information, and continue reporting unverifiable data, causing damage to my creditworthiness and violating my rights under 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am revoking consent for you to contacting me any further. You may only send me written correspondence from this point forward. Please validate this debt. Send me proof that I am legally obligated to pay you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or unverified debts reported on my credit. 
XXXX XXXX Amount : {$300.00} ( XX/XX/XXXX ) XXXX XXXX XXXX Three accounts totaling {$5000.00} ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX XXXX XXXX -- Amount : {$710.00} ( XX/XX/XXXX ) Actions Taken : I have reviewed my credit reports and do not recognize these debts as mine.

I have contacted the respective companies to dispute these amounts in writing, but the accounts remain inaccurately reported.

I have requested validation of these debts and removal from all credit reports, but no adequate verification has been provided.

I am requesting that the CFPB investigate these accounts, ensure proper verification, and remove any unverified or inaccurate debts from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA 1681i & 1681s2 ) and Fair Debt Collection Practices Act ( FDCPA 15 USC 1692g ).

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 2025-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
XXXX Bank is using unfair underwriting practices in order to disqualify us from a HELOC loan. first of all, they are using one percent of my wifes {$120000.00} student loan has the amount she is paying each month because her loan was automatically deferred during XXXX by the federal government. The federal government has yet to come up with a plan to reinstate these student loan payment plans. Where she was prior to paying XXXX a month, Columbia bank thinks they can apply a monthly debt of {$1200.00} which she would never be paying. this is a debt ratio practice that is no longer widely used and does not accurately reflect applicant debt. 

In addition, they are refusing to use the extra income from our XXXX to qualify, because they are factoring in the standard depreciation that you claim on taxes as debt, when it is not. this standardized depreciation is not a monthly debt that we pay a creditor. Therefore, it should not be used as debt to disqualify this source of income. 

finally, they ran my wifes credit in XXXX without her consent when I was the only name on the application. They did not have any authorization to run her credit and did so without our knowledge. she recently found it on her credit report. they used her Social Security number from an application that we used in XXXX when we tried to apply for a refi loan, which they also turned this down on. We sent paid off all our credit card debt so that way we would not show any debt and our credit scores are both in the XXXX and above. 

Why is this bank disqualifying an application of a household with {$250000.00} income annually and only {$10000.00} in expenses a month with a HELOC request of only {$50000.00}?

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 2025-12-02 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:
I am submitting this complaint to dispute and request the removal of multiple inaccurate items on my credit report that violate FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) for inaccurate reporting, and FCRA 619, 604 ( a ), and 604 ( f ) ( 15 U.S.C. 1681q, 1681b ( a ), 1681b ( f ) ) for improperly verified inquiries. The following late closed account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, shows {$0.00} balances with last activity dates of XXXX, XXXX, XXXX, and XXXX in TransUnion, which is inaccurately reported. Additionally, unauthorized or inaccurate inquiries appear across the bureaus : Experian XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All these items are inaccurate, unverifiable, and must be removed from my credit file.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I woke up on XX/XX/XXXX or XXXX to 2 massive fraudulent charges on my account. One for {$9000.00} and one for {$2400.00} roughly. I immediately contacted my bank ( Wells Fargo ) about the transactions and submitted a claim and had them cancel the old card and send out a new one. They denied the claim and are stating that the merchant is telling them I bought something and had it sent to my house. These 2 charges were done at like XXXX and were not me doing them. There is no possible way the merchant has any tracking evidence showing any product was sent to my address. And it looks like one of the transactions is a bank transfer, not a merchant. This is obviously a stolen debit card info issue. Also my account is covered by a zero liability policy within Wells Fargo as long as you report the fraud quickly there is zero liability for the customer for said fraudulent charges. I am out just over {$11000.00} here just before XXXX and this is so far an unacceptable experience with their fraud department and customer service. I have been given the runaround and have had to do multiple escalations with their customer service team to even get the information I just gave. Also there is a system in place from the bank to text my phone when a suspicious charge goes in and it did go off but in the incorrect way. My phone did receive an alert about a XXXX XXXX  transaction from XXXX that is set up on monthly autopay. But their system allowed the 2 fraudulent charges to go through before this authorization text was sent. I have this screenshotted and have attached the screenshot with dates and times in the image. I also do not mind a regulatory body going through my entire transaction history if need be.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP

Complaint narrative:
In XX/XX/year>, I opened a secured credit card through XXXX XXXX, issued by XXXX XXXX XXXX. I deposited {$700.00} as a security deposit. I never activated the card, and I was told the deposit would be refunded to me. 

Since then, XXXX and XXXX have repeatedly failed to return my money. The check was mailed to the wrong address despite my address being updated, returned to sender, and then I was told multiple times that a replacement check was being expedited. None of those promised checks ever arrived. I have been dealing with this for over five months. 

Throughout this time I have spoken to both XXXX and XXXX many times, including the XXXX XXXX, Michigan branch. I was told each time that my refund was processed, yet I still have never received it. XXXX has given me inconsistent information and neither institution has taken responsibility for getting my money back to me. 

This delay has caused me significant financial hardship. 
I am a XXXX XXXX XXXX XXXX. Because XXXX has withheld my {$700.00} deposit for months, I am now past due on rent and have struggled to cover basic living expenses. This is unacceptable and has caused completely unnecessary stress and instability.

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 monetary relief
Consumer complaint received 2025-12-02 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
I applied for XXXX XXXX on XX/XX/XXXX of 2024. My application was escalated on XX/XX/2024. There has been no movement or information provided on estimated wait time to hear back. I have submitted multiple feedback complaints and called on multiple occasions only to be told be patient, there is a back log, we dont have access see where your application is. When applying I provided the 8 months I needed to buy back. I have been continuing to pay these last few months and it feels like they are just going to wait for me to pay back XXXX additional months then close it out. I have over XXXX  months of qualifying employment and the requirement is XXXX months.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Bank would not complete a wire transfer for me after both myself and the local Wells Fargo branch had diligently checked to confirm this was not a fraud or scam. After sending the wire transfer from my branch it was rejected by Wells Fargo because " I was over XXXX XXXX XXXX and an 'elder '. They told the banker at my branch I could try a second time, but if that was also rejected by their 'elder division ' that I could no longer attempt a wire transfer. In effect, Well Fargo is denying me access to the funds in my account due to my age.

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 2025-12-02 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: MI

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-12-02 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: TX

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 
Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 
Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

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