vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy currently showing on my credit report. I have official documentation from the court that clearly confirms this bankruptcy should not have been reported to the credit bureaus in the first place. The fact that it still appears on my credit file despite this court-issued letter is both concerning and disappointing. 

In addition, the presence of an unauthorized third party involved in this matter only adds to the severity and urgency of the situation. This raises serious concerns about the accuracy, security, and overall integrity of the information being reported on my credit file. I kindly request that you carefully review this matter, take the necessary steps to investigate, and ensure that this incorrect bankruptcy entry is promptly and permanently removed 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 2025-05-15 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 writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XX/XX/XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XX/XX/XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX ( Original Creditor XX/XX/XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX continue to report on my XXXX  report with balances of {$1000.00} and {$3900.00}, even though XXXX was closed on XX/XX/year> and XXXX was closed on XX/XX/year>. I mailed certified validation letters for both and received no responses. I also submitted disputes with no documentation provided to verify the debts. XXXX was already removed from XXXX, proving inconsistent and inaccurate reporting. I request full deletion of both accounts unless legally validated per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I underwent an eye procedure that was financed through my XXXX XXXX credit card ( Comenity Capital Bank ). Prior to making the final payment, I contacted your customer service department and was explicitly told that I had until XX/XX/year> to complete payment without penalty or additional charges. I followed these instructions and paid off the full balance as directed. 

To my surprise, I have now received a bill for {$3300.00}, with the explanation being that the check was received late. This is contradictory to the information I was previously given. At no point was I warned that the payment had to be received by a certain date before XX/XX/year>, or that any delay in check processing would void the terms discussed. 

I consider this charge both misleading and unfair, especially as I acted in good faith and according to the guidance provided by your own staff. I request the following : An immediate reversal of the {$3300.00} charge. 

XXXX that this issue will not affect my credit score or standing with your institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an inaccurate late payment reported on my credit report. The late payment is flagged as occurring in XXXX  and is still appearing on my credit report. 

Under the Fair Credit Reporting Act ( FCRA, Section 1681c ), any late payment should be removed from my credit report after XXXX years from the date of the original delinquency. Since this payment occurred in XXXX, it is well beyond the XXXX period and should no longer appear on my report. 

I have already contacted XXXX regarding this issue, but the information remains unresolved. I kindly ask for your assistance in ensuring this late payment is removed from my credit report immediately, as it is in violation of the FCRA. 

Please let me know if you need any further documentation or information to proceed with this dispute. I appreciate your prompt 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 2025-05-15 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on my credit report under the provisions of 15 U.S.C. 1666b, which addresses the timely processing of payments and the correct reporting of payment information.

The creditor did not provide adequate notice or justification for reporting the payment as late, as required under the Fair Credit Billing Act.

I respectfully request that the late payment entry be investigated and removed or corrected on my credit report. Please notify me in writing of the results of your investigation as well as any actions taken to rectify the inaccurate information Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I look forward to your prompt response within the required 15-day period. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-05-15 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
In XXXX XXXXXX/XX/XXXX I was denied a credit line increase. The denial was based on several delinquencies as reported by Equifax credit bureau. After reviewing my Equifax report I found no delinquent accounts. However, I did find there was inaccurate information on both open and closed accounts. XXXX of which I have listed below. 

XXXX is reported as XXXX separate open accounts. I have XXXX account with XXXX that has been open since XXXX. My credit card was lost and and a new card was issued in XXXX, however the account remained the same. This information is causing derogatory reporting and as a result I am being denied credit. On XX/XX/XXXX I submitted a dispute with Equifax to correct the account information and remove the duplicate account listed ( XXXX ). On XX/XX/XXXX Equifax sent a response to indicate they added the last payment date of XX/XX/XXXX to the duplicate account information ( XXXX ) instead of removing it. 

XXXX XXXX - XXXX is listed as an open account with the last history of activity being XX/XX/XXXX. 

XXXX XXXX - XXXX is listed as and open account with the last activity being XX/XX/XXXX. 

I am requesting the inaccurate account information which is being reported as a duplicate account ( XXXX XXXX XXXXXXXX ) be removed from my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas. XXXX. 
TransUnion LLC RE : XXXX  Block Request To whom this XXXX concern : I am a victim of XXXX. The information listed below, which appears on my credit report. Now in result to the trafficking these accounts need to block. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within the next four ( 4 ) business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me the notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX is : Proof of identity Trafficking documentation

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Formal Complaint Regarding {$100.00} in Overdraft Fees and {$300.00} Negative Balance Request for Urgent Review and Refund Dear Wells Fargo Support / Regulatory Representative, I am filing a formal complaint regarding three overdraft fees totaling {$100.00} that have resulted in my Wells Fargo account reaching a negative balance of {$300.00}, despite recent deposits and highly questionable posting practices by the bank. 

On XX/XX/XXXX, I was informed that overdraft privileges were suspended for six months. Since then, I have worked to avoid additional fees. However, multiple transactions have posted with inconsistent timingsome remaining pending for several days while others post instantlymaking it nearly impossible to manage my balance accurately.

Between then and now, I made deposits of {$50.00}, {$10.00}, and received a direct deposit, which I believed covered any temporary shortfall. Instead, Ive been charged three separate {$35.00} overdraft fees, with no refund eligibility offereddespite active efforts to fund the account and despite XXXX XXXX known history of predatory fee practices. 

As of today ( XX/XX/year> ), my account is overdrawn by {$300.00}, and I was denied a refund over the phone. This is not sustainable, especially when posting irregularities, lack of real-time transaction clarity, and extended pending periods have directly contributed to the negative balance. 

I respectfully request the following : A full refund of the {$100.00} in overdraft charges A detailed, itemized explanation of how the balance reached- {$300.00} A review of the posting delays and how they impacted these fees If this can not be resolved fairly and quickly, I will be closing my account and pursuing further action with federal regulators. 

Thank you for your time and attention to this matter. 

XXXX XXXX XXXX number Ps : I am a working student, who has XXXX I cant keep paying all these overdrafts I dont make enough money, I literally am In tear behind this, its like I wont ever be able to Pay for books or anything cause of things like This, this isnt fair, I literally put money in between to pay for all this. I find it annoying how flip flops transactions are!

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 2025-05-15 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:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX XXXX who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Champlin & Associates PLLC
State: VA

Complaint narrative:
My wages were garnished for a judgment that had already been satisfied by another individual. The total judgment amount was {$1600.00}, and it was fully satisfied shortly after XX/XX/XXXX, based on the other partys final garnishment payment issued on that date. 

Despite the full payment of the debt, my wages continued to be garnished until the court date on XX/XX/XXXX. Garnishment payments were deducted from my XXXX paychecks and sent to the XXXX XXXX XXXX XXXX XXXX. 

I personally counted XXXX garnishment checks issued on my behalf by XXXX. The court clerk mentioned that XXXX checks were received, and XXXX check was returned to XXXX. This means there is still one garnishment check unaccounted for, which raises serious concerns about whether the funds are being held, misdirected, or mishandled. 

XXXX has confirmed that they have never received any returned garnishment checks. They stated that any returned garnishments should have been sent to XXXX XXXX instead of XXXX. To this day, I have not received a refund. 

I sent a formal written demand to Champlain & Associates requesting a refund and a breakdown of what funds were received or returned. They have not responded or provided a resolution. 

I am requesting a full refund of all improperly withheld amounts and a complete accounting of what was received, disbursed, or returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-15 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A fraudulent scam person has all my personal info and now I can't access any of my credit reports. Complaint against him has been filed with FBI and XXXX XXXX XXXX He also scammed me out of {$2000.00}. His name is XXXX XXXX and business is XXXX XXXX XXXXXXXX XXXX XXXXXXXX out of XXXXXXXX XXXX. He has a you tube channel : XXXX XXXX XXXX XXXX. He is also sending people forged and fraudulent business documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I bought a truck and the dealer secured a loan. I received a welcome call from the bank about a week later. For some unknown reason they decided they did not want to carry my loan and sent it back to the dealer. I put {$40000.00} down and was borrowing {$20000.00}. The loan was approved until I got that welcome call and answered their questions. Now Im wondering what the dealer ( XXXX ) told the bank that didnt correspond with what I told them. I looked over my paperwork and my name is on the loan but they put down my husbands drivers license number and his birthday. And his phone number. They are probably wondering what other information the dealer is lieing about so they dropped me. Now the dealer wants more money or bring the vehicle back and I have to forfeit my {$4000.00}. They also signed my name on part of the documents for gap and extended warranty that I did not want.

Company response to consumer: Closed with explanation