vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, and Equifax credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX  XXXX up to open 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting to formally dispute multiple inaccurate or outdated addresses listed on my credit report. Upon careful review, I have identified the following addresses as incorrect, no longer valid, or not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete. Credit reporting agencies are required to conduct a reasonable investigation of my dispute and correct any information that can not be verified.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting to formally dispute multiple inaccurate or outdated addresses listed on my credit report. Upon careful review, I have identified the following addresses as incorrect, no longer valid, or not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete. Credit reporting agencies are required to conduct a reasonable investigation of my dispute and correct any information that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
After reviewing my most recent credit report, I was shocked to discover inaccurate name, several addresses and credit inquiries that I do not recognize and have never authorized. This information has caused me confusion and concern, as it paints an inaccurate picture of my identity and financial behavior. I am writing to formally dispute these errors and to request that they be immediately blocked and permanently deleted under the protections granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA )

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 2025-11-13 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: PA

Complaint narrative:
I am submitting this complaint, I have discovered certain entries that I believe are erroneous or unsupported by accurate information. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and entitled to dispute inaccuracies on my credit report. I request that these items be remove as soon as possible to ensure my credit report is accurate and up-to-date. 
Firstly, I noticed that my report lists the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This is incorrect. My current address, which has been verified and updated, is XXXX XXXX XXXX XXXX XXXX, PA XXXX. I respectfully request that this address be removed and replaced with my correct address as per the information I have on file with you. This removal is necessary under FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates that consumer reporting agencies investigate and correct any inaccurate or incomplete information. 
There are multiple charge-offs listed on my report, but I believe that some of these may be inaccurate or outdated : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$60.00} XXXX XXXX  WSFS CHEK XXXXXXXX XXXX XXXX Balance Owed : {$71.00} * * These charge-offs are incorrectly reported, and I request that they be investigated and remove. I am requesting that all of these accounts be verified under FCRA XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ), which obligates furnishers to report accurate information and update records when necessary. 
Additionally, there is a charge-off reported for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4100.00} * *, which I understand to be resolved and is not accurately reflected. Please update this entry and adjust it in accordance with IRS XXXX, which should provide guidance on debt cancellation. A XXXX form was issued for this account, and as such, the balance of {$4100.00} should no longer be reported as an outstanding debt. Under FCRA XXXX ( XXXX U.S.C. XXXX ), information that is legally cancelled or XXXX should not continue to affect my credit report.Lastly, there is an inquiries listed for XXXX XXXX XXXX  dated XXXX, XXXX XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XX/XX/year> '' This inquiry is associated with a dispute that I am not aware of and may be in error. Please confirm whether this inquiry is valid and whether it was authorized, as I would like to ensure it is remove reported in accordance with FCRA XXXX ( XXXX U.S.C. XXXX ), which stipulates that inquiries must only be made with proper consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to WELLS FARGO BANK CARD dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), WELLS FARGO BANK CARD has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C.

1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since WELLS FARGO BANK CARD did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure WELLS FARGO BANK CARDs immediate compliance with FCRA requirements. WELLS FARGO CARD SER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX Inquiry ( Hard ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax Unauthorized inquiries. I did not initiate these requests. Demand verification of permissible purpose ( FCRA 604 ) or immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Comerica
State: MI

Complaint narrative:
There appears to be a bank account being reported by Comerica Bank. The debt included in my bankruptcy and should reflect a {$0.00} balance. 

Subsequently, on XX/XX/year>, the Bankruptcy Court entered XXXX XXXX discharge ( the XXXX ), a copy of which is attached for your convenience [ XXXX ]. Pursuant to 524 ( a ) ( 2 ) of the Bankruptcy Code, [ a ] discharge... operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover any such debt as a personal liability of the debtor.... 




XXXX XXXX XXXX } This is commonly referred to as the discharge injunction. It prohibits the XXXX from suing or threatening to sue XXXX XXXX with respect to the XXXX, as the debt associated with Comerica Bank were XXXX. 

I am writing this letter because Chex Systems or has : ( i ) sent XXXX XXXX communications threatening to sue her for nonpayment of the Lease, and ( ii ) reporting unauthorized reports on XXXX XXXX. I hope these actions were taken inadvertently. Nonetheless, the XXXX must immediately discontinue these actions. 

If the XXXX does not, it will be in violation of the discharge injunction, and will be subject to court sanctions and other serious consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing three ( 3 ) LVNV Funding accounts that are being reported inaccurately on my credit report. I reviewed my full credit report and discovered that all three accounts are listed as open and also showing a past due balance. This is factually incorrect because these are collection accounts, not open or active credit accounts.

LVNV Funding is reporting these accounts in a way that falsely makes it appear that I currently have open, delinquent credit lines. This is misleading, inaccurate, and is harming my XXXX XXXX. I do NOT have any open credit accounts with LVNV Funding.

This reporting violates the Fair Credit Reporting Act, including : FCRA 602 ( A ) Duty to assure maximum possible accuracy FCRA 607 ( B ) Failure to maintain reasonable procedures for accuracy FCRA 611 ( A ) Failure to correct inaccurate information FCRA 623 ( A ) ( 1 ) Furnishing information known to be inaccurate FCRA 623 ( A ) ( 2 ) Failure to update and correct inaccurate information I am requesting that all three LVNV Funding accounts be investigated immediately. The open status and past due labels must be removed because they are inaccurate for collection accounts. If LVNV Funding can not certify accuracy, the accounts should be removed from my credit report completely. 

This incorrect reporting is causing damage to my credit, denial of credit opportunities, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute a claim made by XXXX regarding company equipment that I lawfully returned upon ending my employment. XXXX scheduled a XXXX  pickup for the return of their equipment, which included a monitor. I complied fully with their instructions and returned the equipment through XXXX, signing off the package at pickup. 

Despite this, XXXX is now falsely claiming that the equipment was never received. XXXX confirmed that the package was picked up, and I completed all steps required by the company. XXXX has failed to provide any XXXX  pickup logs or documentation to support their claim. 

This false report is inaccurate and unfairly damages my record. I request that this matter be investigated and that any negative information reported by XXXX regarding this situation be removed from my credit and/or employment records immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please contact me if further documentation is needed. I can provide the XXXX tracking information and proof of pickup. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-11-13 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX had a maximum redit ine of {$6000.00} and the XXXX XXXX XXXXXXXX herein as : ( XXXX ), shows a balance as Charged-Off as {$6900.00}. No 1099C was offered to me when the debt was charged-off XX/XX/year>. The debt was re-aged in violation of Federal Law to keep the debt on my credit report pass the 7-year statute under Federal Law. And the reporting of the debt is inaccurate, and not in compliance with CFPB Law, FRCA Law, Metro 2 Compliance Law, and Supreme Court Law. The violations are on my TransUnion Credit Report. And XXXX XXXX XXXXXXXX, is in violation of several Federal Laws on my TransUnion Credit Report which has inaccurate 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
To Whom It May Concern : I am responding to your recent communication regarding an alleged debt. This letter is a formal request for validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information so I can verify that this debt is valid and that I am legally obligated to pay it : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges ; 3. A copy of any written agreement bearing my signature or proof that I have a legal obligation to pay ; 4. Verification that your company is authorized to collect debts in my state ; 5. The date and details of the alleged default or last payment ; 6. The name of the current owner of the debt and documentation of the transfer or sale from the original creditor. 

Until this information is provided, I am requesting that you cease all collection activity and not report this alleged debt to any credit reporting agency. If this debt has already been reported, please immediately notify the credit bureaus that it is disputed. 

Be advised that any attempt to collect a debt without proper validation violates federal law. 

Thank you for your cooperation. I look forward to your prompt response within the time frame allowed by law. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am submitting to dispute the inaccuracies late payment listed on my credit report for the following account. Upon reviewing my credit report, I discovered several discrepancies that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) XXXX respectfully request a full reinvestigation of these issues and their correction as required by law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$290000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and XX/XX/XXXX 60 days, late 90 days XX/XX/XXXX and 120 days XX/XX/XXXX and 150 days lates XX/XX/XXXX - not same lates with other bureaus Under FCRA 623 ( a ) ( 2 ), furnishers have a duty to correct and update information that is inaccurate. I ask that this account be re-examined and updated to reflect the accurate status. 
In addition, FCRA 623 ( b ) requires furnishers to investigate disputed information. Since the late payment entries on both accounts are inconsistent and inaccurate, I request that these furnishers provide clear evidence of the late payments or correct them from my report if they can not substantiate the claims.

As outlined in FCRA 602, Congress has emphasized the importance of ensuring the accuracy, fairness, and privacy of information in the credit reporting system. The current inaccuracies on my credit report undermine these objectives and cause harm to my financial reputation and opportunities.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I am a XXXX XXXX  and was apart of the government program that gave senior 's a discount on wifi services. The Government no longer provided the discount I was getting for the wifi. So I went from paying {$30.00} a month to {$60.00} a month once the program was defunded. I fell behind in my payments acouple of moths, and I ended up owing {$130.00} to XXXX a XXXX internet XXXX XXXX  in Atlanta.GA. I paid my final bill on XX/XX/year> of {$130.00} and I returned the equipment requested by XXXX on the same day. I tried several times the call the retention department to cancel my service with XXXX only to be on hold for several hours each day I called to speak to someone to cancel my wifi service. After several times reaching someone to cancel my wifi service after I paid the {$130.00} I owed on the account. I called customer service for XXXX, and told them my problem. And to put in the notes of my account that I was not able to speak with someone in the XXXX XXXX, and I want to cancel my wifi service with XXXX immediately. XXXX modem was pre-wired in my XXXX XXXX XXXX XXXX, so I had no choice, but to use their services when I first moved into my apartment complex. Then XXXX XXXX XXXX XXXX came out with a {$39.00} wifi service, and I signed up with them in XXXX of 2025 before XXXX. i was charged by for a service I never used in XXXX. So I am being Fraudulently charged {$51.00} by XXXX for a service I never received or wanted.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kinum, Inc., Indianapolis, IN Branch
State: MI

Complaint narrative:
I had a loan with XXXX  XXXX XXXX XXXX that was later sent to collections and is now reported by Kinum as a {$1500.00} collection on Experian. In XX/XX/year>, Kinum offered a {$270.00} settlement, but I was unable to pay due to financial hardship. I have not received proof of the debt, documentation of sale, or verification from Kinum. Despite this, the account continues to report inaccurately on my XXXX  report. Under FCRA 609 and 611, I am requesting verification, and if unverifiable, the account should be updated to $ XXXX/paid or deleted.

Company response to consumer: Closed with explanation