vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a false late payment on the account identified as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX even though the account shows a balance and past due amount of {$0.00}. This is a blatant misrepresentation that paints an inaccurate picture of my creditworthiness and misleads potential lenders. According to 15 USC 1681e ( b ), Experian is required to ensure maximum possible accuracy in the data it reports, yet the listing of a late payment on an account that is clearly not delinquent is a violation of that mandate. I have already disputed this item, and Experian has failed to produce any documentation verifying the validity of this alleged delinquency no payment breakdowns, no billing history, and no contract indicating that a payment was missed. This neglect to conduct a proper reinvestigation violates 15 USC 1681i and calls into question Experians commitment to lawful and accurate credit reporting.

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 2025-04-25 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: NV

Complaint narrative:
Dear Credit Experian, Account XXXX XXXX that starts with XXXX Report Number XXXX Date Generated XX/XX/year> I am writing to inform you that I am disputing the reinsertion of previously deleted items on my credit report, and it was deleted, but it has now been added back on without any written notice from your end. 
According to the fair credit reporting Act ( FCRA ), an item can not be reinserted onto my credit report without written notice by the credit bureaus. I have not received any such notice and therefore, the reinsertion of these items is a violation of these items is a violation of my rights under FCRA. 
I am requesting that these items be deleted from my report immediately, and an updated credit report be provided to me. If action is not taking promptly, i will have no choice but to escalate the matter to the federal trade commission ( FTC ) and file a complaint. I will also seek legal representation, if necessary, as this issue is wasting my time and affecting my mental health.

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 2025-04-25 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: MD

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and 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 2025-04-25 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: VA

Complaint narrative:
I am writing to file a formal complaint and request an immediate reinvestigation into an inaccurate and unverified charge-off being reported on my credit file by XXXX XXXX XXXX, account number XXXX. 

Despite multiple past attempts to resolve this issue directly with the credit bureaus and furnisher, the charge-off remains, without valid proof of its accuracy, ownership, or verifiability. This is in direct violation of multiple consumer protection laws, which I will outline below. 


FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit agencies should double-check their data for top-notch accuracy. Listing monthly late payments after an account 's been closed and charged off gives the wrong impression, causing multiple denials for credit.

FCRA 611 ( 15 U.S. Code 1681i ) I formally disputed this item, and no valid verification was provided within the 30-day window. The continued reporting of this charge-off is unlawful.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Credit bureaus are obligated to maintain accurate and up-to-date records. The lack of supporting documentation violates the duty to ensure " maximum possible accuracy ''. Instead of sending an original document of the account the bureaus sent a page from an old credit report as proof. 


FCRA 609 ( a ) ( 1 ) ( 15 U.S. Code 1681g ) I requested complete information, including the original contract, itemization of the debt, and verification of ownership and a 1099-C form confirming the debt was charged-off. None was provided.

FCRA 623 ( a ) ( 1 ) ( A ) Data furnishers must not report information they know or should know is inaccurate. Continued reporting without validation suggests reckless disregard.

FCRA 623 ( b ) Upon receiving my dispute, the furnisher failed to conduct a reasonable investigation or provide documentation confirming the accuracy of the charge-off. I was sent a page from a prior credit report that was also shows inconsistent and inaccurate reporting.

FDCPA 809 ( b ) If this debt has been assigned or sold, I have a right to request validation. No debt validation has been provided to confirm legal ownership or amount owed.

I am respectfully requesting that the Consumer Financial Protection Bureau intervene and require the following : Full validation documentation of the alleged charge-off. 


Removal of the charge-off if the information can not be verified under FCRA and FDCPA guidelines. 


An investigation into the credit bureaus and data furnishers failure to uphold FCRA obligations. 


This erroneous reporting is causing financial and emotional distress, and I am seeking resolution under my consumer protection rights. 
Thank you for your time and 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 2025-04-25 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: VA

Complaint narrative:
I am writing to file a formal complaint and request an immediate reinvestigation into an inaccurate and unverified charge-off being reported on my credit file by XXXX XXXX XXXX, account number XXXX. 

Despite multiple past attempts to resolve this issue directly with the credit bureaus and furnisher, the charge-off remains, without valid proof of its accuracy, ownership, or verifiability. This is in direct violation of multiple consumer protection laws, which I will outline below. 


FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit agencies should double-check their data for top-notch accuracy. Listing monthly late payments after an account 's been closed and charged off gives the wrong impression, causing multiple denials for credit.

FCRA 611 ( 15 U.S. Code 1681i ) I formally disputed this item, and no valid verification was provided within the 30-day window. The continued reporting of this charge-off is unlawful.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Credit bureaus are obligated to maintain accurate and up-to-date records. The lack of supporting documentation violates the duty to ensure " maximum possible accuracy ''. Instead of sending an original document of the account the bureaus sent a page from an old credit report as proof. 


FCRA 609 ( a ) ( 1 ) ( 15 U.S. Code 1681g ) I requested complete information, including the original contract, itemization of the debt, and verification of ownership and a 1099-C form confirming the debt was charged-off. None was provided.

FCRA 623 ( a ) ( 1 ) ( A ) Data furnishers must not report information they know or should know is inaccurate. Continued reporting without validation suggests reckless disregard.

FCRA 623 ( b ) Upon receiving my dispute, the furnisher failed to conduct a reasonable investigation or provide documentation confirming the accuracy of the charge-off. I was sent a page from a prior credit report that was also shows inconsistent and inaccurate reporting.

FDCPA 809 ( b ) If this debt has been assigned or sold, I have a right to request validation. No debt validation has been provided to confirm legal ownership or amount owed.

I am respectfully requesting that the Consumer Financial Protection Bureau intervene and require the following : Full validation documentation of the alleged charge-off. 


Removal of the charge-off if the information can not be verified under FCRA and FDCPA guidelines. 


An investigation into the credit bureaus and data furnishers failure to uphold FCRA obligations. 


This erroneous reporting is causing financial and emotional distress, and I am seeking resolution under my consumer protection rights. 
Thank you for your time and 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 2025-04-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX I voluntarily surrendered my vehicle due to complete engine failure. I had never missed a payment but I couldn't afford to keep paying the payment and insurance for a car that was no longer operational. XX/XX/XXXX the car was picked up from my home. On XX/XX/XXXX I received a letter about the repossession from Wells Fargo stating they were planning to sell the vehicle at a private sale sometime after XX/XX/XXXX. At this point I hadn't heard back from Wells Fargo until XX/XX/XXXX. I was sent a letter dating XX/XX/XXXX detailing the sale of the car, which occurred XX/XX/XXXX. The letter detailed that the car sold for {$400.00} and I had a deficiency balance of {$9300.00} and to call to make payment arrangements. Due to receiving this on a Friday and being too late to call by the time I returned home, I had to wait till the following Monday. On Monday XX/XX/XXXX I called the number that was on the deficiency letter to talk to a representative. The rep I talked to at the time informed me that the debt was not being collected and the account is closed/charged off. I asked if I, and my cosigner, would recieve something about this, which we did not. During this phone call I asked for confirmation that I did not need to pay this balance to which the rep responded no I do not. There was no other communication until XX/XX/XXXX. I got a phone call from Wells Fargo stating the account is still open and that I needed to set up a payment plan. I informed the man I spoke to about my earlier conversation but it was kind of brushed off. I also informed him that my account says it is closed on my credit report. I did not set up any payment plans during this call. The next day XX/XX/XXXX I called back to clarify the confusion. This representative I talked to said what I was told in XXXX by their other rep was a mistake. He informed me that the other representative made a mistake because my account was " temporarily charged off and under audit status. '' We talked for around XXXX minutes so I can't outline exactly what all was said other than that and he encouraged me to set up a payment plan, to which I said I could not afford right now. He said I could either pay the amount in full or over the course of XXXX months. When I told him I can not afford such, he offered the same terms but 40 % reduction of the deficiency balance. I stated I also could not afford this option to which he said it could be paid off with any amount each month but I would still recieve calls about debt collection from them. Again, I did not agree to anything.

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 2025-04-25 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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-25 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: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-04-25 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-04-25 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: MD

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Action was taken on XX/XX/year>, regarding accounts. The account continues to show up an open on my report. 
( 4 ) accounts with a XXXX balance continues to show up on 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 2025-04-25 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: DISCOVER BANK
State: PA

Complaint narrative:
Action was taken on XX/XX/year>, regarding accounts. The account continues to show up an open on my report. 
( XXXX ) accounts with a XXXX balance continues to show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
Order would put an end to Navients years of abuse of students and taxpayers in the federal student loan program XX/XX/year>XXXX XXXX  XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) filed a proposed order against the student loan servicer Navient for its years of failures and lawbreaking. If entered by the court, the proposed order would permanently ban the company from servicing federal Direct Loans and would forbid the company from directly servicing or acquiring most loans under the Federal Family Education Loan Program. These bans would largely remove Navient from a market where it, among other illegal actions, steered numerous student loan borrowers into costly repayment options. Navient also illegally deprived student borrowers of opportunities to enroll in more affordable income-driven repayment plans and forced them to pay much more than they should have. Under the terms of the order, Navient would have to pay a {$20.00} XXXX penalty and provide {$100.00} XXXX in redress for harmed borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-25 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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