vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
am writing to formally dispute the validity and continued reporting of a collection account listed by Online Information services on behalf of XXXX XXXX XXXX on my credit report. Upon reviewing my credit file in preparation for purchasing a home, I was alarmed to find this collection still being reported. I previously held an account with XXXX XXXX, which I canceled in accordance with their procedures. I received written confirmation via email that the cancellation had been processed, and at no time was I notified of any outstanding balance. The first and only notice I received regarding a balance came from my mortgage lender, after they pulled my credit report as part of the loan approval process. This unexpected and erroneous entry has not only jeopardized my ability to close on my home loan, but it has also negatively affected my credit standing. Furthermore, I have never been contacted by XXXX XXXX and have no idea who they are. This entire collection needs to be deleted from all bureaus immediately as there is zero documentation provided that this debt with this company ( of whom ive never done business with ) is even in fact mine or not. Please investigate this and delete so I can purchase my home!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: PR

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX  PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquired on XX/XX/scrub>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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter invokes your rights under 15 U.S.C. 1681g ( Section 609 of the Fair Credit Reporting Act ), 15 U.S.C. 1681i ( reinvestigation of disputed information ), and 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ).

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 2025-10-24 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Good morning, my precious claim was very helpful in removing all of the items from my credit report per the Fair Credit Reporting Act ( FCRA ) 611, however the JPMCB CARD seems to still be effecting my credit score. Even though it shows on my Equifax Report as cleared. ( Not in Collections )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting a full investigation and immediate correction of inaccurate and unlawful credit reporting by TransUnion, Equifax, Experian, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and my prior loan servicers. 

In addition to the accounts that were included in my bankruptcy, there are also loan accounts that were not properly discharged or updated after my bankruptcy filing. These loans continue to appear on my credit report as open, active, or delinquent, even though they should have been closed, forgiven, or removed according to my post-bankruptcy financial status and account resolutions. 

I am requesting the following actions : 1. Immediate deletion or correction of all accounts that were either discharged in bankruptcy or should have been closed or forgiven under bankruptcy and post-discharge reporting laws. 
2. Removal of all negative payment history, delinquent remarks, and collection notations tied to these accounts. 
3. Written verification from each credit bureau and creditor confirming completion of these corrections.

4. A full review ensuring all accounts comply with the Fair Credit Reporting Act ( FCRA ), the U.S. Bankruptcy Code, and applicable loan discharge and reporting guidelines.

5. Permanent prevention of any future re-reporting of these inaccurate accounts. 

The continued appearance of these loans and discharged debts causes measurable harm to my credit profile and violates my rights under federal law. I am demanding immediate resolution and removal of all inaccurate entries, or I will escalate this matter for enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
Trying to collect a debt with false information and forged signatures Im uploading a picture of my signature and proof that the middle name used is wrong on a government document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent reporting of the DEPT OF EDUCATION / NELNET account appearing on my Experian credit file. This account contains factual and procedural errors that violate the Fair Credit Billing Act ( 15 U.S.C. 1666b ), the Fair Credit Reporting Act ( FCRA ), and Metro 2 data reporting standards.

The account is reported as Open, yet there is no recent payment activity ( Recent payment none ).

Under Metro 2 guidelines, an open account must reflect current activity, status code, and payment date consistency.

Reporting an account as Open with no payment data is inconsistent with Metro 2 Format Field 17A ( Account Status ) and Field 24 ( Date of Last Payment ). 

The Status Updated : XXXX XXXX  date appears inaccurate. There has been no consumer-authorized payment, change in balance, or communication with Nelnet that would justify a new update date. This suggests automated or erroneous re-aging, prohibited under FCRA 623 ( a ) ( 5 ) and Metro 2 section 2.29.

The Balance of {$920.00} is inaccurate if the loan has been transferred, paid off, or forgiven through federal repayment or discharge programs. Continuing to report an outstanding balance under such circumstances constitutes misreporting under FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1666b ( a ), which requires proper posting and reflection of payments and adjustments.

If the account has been transferred to another servicer ( such as XXXX or XXXX ), Nelnet should no longer be furnishing data. Failure to mark the account as Transferred / Closed violates FCRA 623 ( a ) ( 2 ) and Metro 2 Field 11 ( Account Type ) and Field 17A ( Account Status ).

My Request for Immediate Action : Pursuant to 15 U.S.C. 1666b, FCRA 611, and 623, I request that Experian : Conduct a reasonable reinvestigation into this account and contact the furnisher ( Nelnet / Dept. of Education ) for full verification.

Delete or correct the inaccurate information within 30 days of receipt of this notice.

Provide a written response showing all actions taken, corrections made, and the name of each entity contacted during your investigation.

Ensure that any updates comply with Metro 2 format standards to maintain accurate and consistent credit data reporting. 

Please consider this a formal dispute and a request for correction under both federal and data furnishing regulations. 
If Experian and/or Nelnet can not verify the accuracy of this information through original account records and documented payment history, it must be deleted from my credit file immediately. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
During the years of XXXX, Wells Fargo Bank ordered account debits to be deducted in order of largest to smallest each accounting day to result in more overdraft fees when an account had insufficient funds. I was severely victimized with this practice due to teacher salaries being frozen without increases for 10 years in XXXX XXXX XXXX and thus trying desperately each month to make ends meet with XXXX sons in high school. When I tearfully asked Wells Fargo for some help after having nearly XXXX in overdraft fees because my mortgage payment posted early and there were no alerts back then, XXXX bank managers laughed at me and offered tissues to help. I had hope during the XXXX XXXXWells Fargo Bank case but found that was only for California residents. I have always wondered if that injustice could ever be made right- but Wells Fargo has repeatedly stated they no longer have my checking account statements

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 2025-10-24 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:
I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately. 

I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

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 2025-10-24 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: IL

Complaint narrative:
Trans Union has repeat has failed to acknowledge a legal dispute they have not removed the account requested even during the process of investigation as well as Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter invokes your rights under 15 U.S.C. 1681g ( Section 609 of the Fair Credit Reporting Act ), 15 U.S.C. 1681i ( reinvestigation of disputed information ), and 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very upset to see that these inaccurate late payments are still listed on my credit reports this morning. Refreshing the browser did not remove them, and I need this issue fixed immediately by reviewing the documents I already sent so I can finally feel at ease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed, with multiple applications made in my name by companies I have no connection with. These inquiries were done without my consent or authorization, and I do not recognize any of them. This situation is deeply concerning and an outright violation of my rights as a consumer. Its insulting and distressing to know that my personal information has been used fraudulently despite my efforts to protect 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX bank card is a authorized user account. I am no longer associated with account. And I need account removed from my credit file. It is harmful to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPEDXXXX - 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have requested to have my payment date changed to the XXXX of every month. I am on XXXX and can't make double payments because they ( jc penny ) will not work with me. I make a payment on the XXXX when I get my check and the they want another payment on the XXXX. They closed my account in XXXX  So all I'm doing is paying down my debt. In XXXX  I took a loss of XXXX dollars a month. Due to my XXXX. JC Penny wouldn't work with me then and won't work with me now. They keep saying I'm not making a payment. But I do early every month. And they are applying it to the month before. Which makes it look like I'm not making a timely payment.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am filing a complaint against the U.S. Department of Education Default Resolution Group ( XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, for furnishing inaccurate credit information in violation of FCRA 623 ( a ) ( 5 ) and 12 C.F.R. 1022.42.

The Department of Education is reporting my student loan account as newly opened or delinquent in XXXX, even though the original creditor, XXXX XXXX College, confirms the account first became delinquent in XX/XX/XXXX. 
Attached is an official letter from XXXX XXXX College XXXX XXXX dated XX/XX/XXXX, confirming that my last payment was made XX/XX/XXXX, and that the account was first reported 30 days past due for XX/XX/XXXX. 
Despite providing this documentation during my XXXX  dispute, the Department of Education verified its XXXX reporting as accurate, as reflected in my XXXX  reinvestigation results dated XX/XX/XXXX ( Confirmation # XXXX ). This false verification ignores the actual delinquency history and effectively re-ages the account by more than four years, extending the negative items presence beyond the legal seven-year period. 
The Department of Educations reporting and verification are inconsistent with its own obligations as a furnisher of information under FCRA 623 ( a ) ( 5 ). This is a systemic accuracy issue : their Date of First Delinquency must reflect the original delinquency that occurred while the loan was still serviced by XXXX XXXX College in XXXXnot when it was transferred to DOE in XXXX.

Company response to consumer: Closed with explanation