vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
Please see attached I am disputing an auto loan account from XXXX XXXX XXXX that is reporting on my Experian credit report. I never gave written authorization or consent for them to report or access my credit information, which violates XXXX XXXX XXXX and XXXX of the FCRA. I already attempted to resolve this directly with Experian, but I was unable to submit the dispute due to system limitations. I request that this account be investigated and removed if no valid authorization exists.

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 2025-07-22 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: OH

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 XXXX 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 explanation
Consumer complaint received 2025-07-22 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: 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 USC XXXX. 

XXXX  - XXXX XXXX  DEBT - XXXX XXXX  MTG - XXXX XXXX  - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX DEPT OF XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
All accounts were paid in full and closed, but still contain remarks that could suggest derogatory payment behavior or remain disputed unnecessarily. 


Several of these accounts show extended delinquencies and inconsistent payment reporting. 

Some delinquencies appear despite recent full payments or closed statuses. 

Requesting verification and full investigation of these delinquencies and their accuracy. 


Inaccuracies in reported credit limits and payment timelines. 

XXXX account notes an investigation but continues to reflect derogatory history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: NJ

Complaint narrative:
ILLEGAL TEXTING ME WITHOUT MY PRIOR CONSENT COMPANY NAME IS REVCO SOLUTIONS - DEBT COLLECTOR REF # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 did not authorize or create these accounts and want them removed from my report within XXXX  days in accordance with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
My concern is that this debt is either erroneous or fraudulent. They have texted me citing that I owe money to a company that I have never heard of, which does business in a state where I have never lived nor visited. I have copied the full language of their texts below : [ XX/XX/year> ] This text is from XXXX XXXX, a debt collector regarding your JEFFERSON CAPITAL SYSTEMS LLC account. Visit XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. SOG Ref # XXXX Reply STOP to opt out. 

[ XX/XX/year> ] We have limited time to work with you before we return your JEFFERSON CAPITAL SYSTEMS LLC account to our client. See your options at https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CITIBANK, N.A.
State: NC

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 XXXX 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 explanation
Consumer complaint received 2025-07-22 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: IN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( XX/XX/XXXX ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX BKPT CT IN INDIANAP-VERIFIED AS REPORTED, has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX Indiana United States Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( XXXX  ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I want my monthly mortgage payments to be $ XXXX instead of $ XXXX. 

My monthly mortgage payments should be $ XXXX instead of $ XXXX. 
From XX/XX/XXXX to XX/XX/XXXX, I paid over {$13000.00} to my Wells Fargo XXXX account. Wells Fargo is alleging I have a {$5800.00} shortage in my escrow account. I asked how can my account have a shortage after I paid over {$13000.00}? 

In XXXX, XXXX insisted I had XXXX ( XXXX ) homeowner insurance policies, XXXX with All State for ( {$4000.00} ) and the other with XXXX for ( {$11000.00} ). So, my mortgage increased from {$2800.00} to over {$4600.00}!! Slowly I repaid the {$11000.00} and my mortgage decreased from {$4600.00} to {$3200.00} per month. I paid Wells Fargo {$11000.00} to repay what they claimed I owed. In XX/XX/XXXX, I paid {$2000.00}. After paying {$13000.00} ( {$11000.00} + {$2000.00} ), XXXX has lowered my mortgage only {$4.00}, from {$3400.00} to {$3400.00}. They received {$13000.00} and refused to lower my monthly mortgage payments unless I pay {$5800.00} in FULL. I feel like this is extortion and I am being robbed. 

This is highly illegal. Please sanction Wells Fargo.

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 2025-07-22 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX XXXX Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name XXXX XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number XXXX XXXX XXXX ] Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX XXXX XXXX Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
I am enrolled in the federal SAVE Plan with XXXX XXXX XXXX monthly payment based on income. My servicer, Edfinancial, placed my loans into forbearance due to a Department of Education policy during ongoing litigation. On XX/XX/year>, I called Edfinancial to request that my loans be removed from forbearance so I could resume repayment under the SAVE Plan and avoid interest accrual beginning XX/XX/year>. 

The representative I spoke with, named XXXX, informed me that I could not exit forbearance unless I exited the SAVE Plan entirely and selected a different repayment plan. She cited an email from the Department of Education, but that email stated only that switching plans was necessary for borrowers seeking forgiveness credit during the injunction periodnot for those who simply wish to resume repayment to prevent interest accrual. 

I asked for a written explanation or policy citation, and was told a supervisor was not available. I was informed I would need to wait 48 hours for a callback. I submitted a formal written request to Edfinancial the same day, and filed a complaint with the Department of Educations FSA Ombudsman. 

This refusal to honor my repayment request misrepresents federal guidance and, if unresolved, will cause unjustified interest accumulation beginning XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Patient Accounting Service Center
State: SC

Complaint narrative:
ArStrat contacted the non-custodial parent of my minor child and discussed their medical treatment and bill with them, and wrongfully told the non-custodial parent that they were financially responsible for the unpaid medical bill on XX/XX/year>. I did not provide the non-custodial parents information on any paperwork nor consent to them contacting them. Additionally, my minor child had XXXX at the time, so the hospital should have billed the insurance as they are contractually and legally obligated to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
A payment was submitted of {$2000.00} for my credit card by a XXXX XXXX I used to purchase a home as part of my closing costs to pay off this credit card for me. The check was sent by XXXX XXXX XX/XX/year> with a credit card statement from my account and in a memo on the check the last XXXX numbers of my credit card number. Someone from the company signed showing receipt of the check and I received a copy of the check from the title company showing it cleared the account on XX/XX/year>. However my account is still not showing the payment and is listed as delinquent. I have questioned them repeatedly about this and they state they are doing an investigation. What are they investigating.? There is proof they received the payment so why are they not applying the payment to my account? They have been giving me the run around. This is an unbelievable situation and apparently I need help to resolve it as they do not seem to care about resolving it or applying my payment to my 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 monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

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 2025-07-22 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief