vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: TN

Complaint narrative:
Iam submitting this complaints to formally dispute my credit report, I was alarmed to see that my XXXX XXXX  account ( Account No : XXXX XXXX XXXX  is reported as having a XXXX late payment. This is incorrect. According to my detailed payment records, there are no late days on this account, and every payment has been made on time, including the last payment on XX/XX/2023, shortly after the account was opened on XX/XX/2023. 
The reporting of a late payment where none exists is not a minor error it fundamentally misrepresents my credit history. The Fair Credit Reporting Act ( FCRA ) 1681e ( b ) requires that credit reporting agencies follow reasonable procedures to ensure maximum accuracy of all reported information. The presence of a XXXX late payment entry, when my account shows XXXX late days, is a clear violation of this standard. 
Additionally, FCRA 1681i ( a ) mandates that any disputed information be investigated and corrected promptly if inaccurate. I am exercising this right to dispute this account because the report shows late activity that never occurred. Reporting a late payment incorrectly undermines my financial reputation and misleads lenders who rely on these reports. 
It is also important to note FCRA 1681c ( f ), which protects consumers from misleading information. Listing a XXXX late payment when no late days exist is precisely the type of misleading and inaccurate information that this provision addresses. Furthermore, FCRA 1681n underscores that wilful or negligent noncompliance with reporting standards can result in legal liability, reinforcing the necessity for immediate correction. 
This account has no late days, and the reporting of a XXXX late payment is factually false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: MA

Complaint narrative:
I am an XXXX XXXX that was being manipulated by some of the inciticing offers made through this program such as, being a XXXX XXXX within XXXX years of this offered program. this program also offers free laptops, " earn while you learn '', XXXX months of mentorship, and lifetime access to the web program which offers videos, guides, instructions, assignments and regular scheduled mentor calls and grading for those assignments. 

The reason I originally joined because of the need to change my financial life through a big outbreak like a new profession. college doesn't seem to work, certifications were a big thing that was once promoted to me on social media platforms like XXXX, XXXX, and XXXX. XXXX, a program with many promises to change your life was the program that had peaked my interests the most. with many " great and positive reviews '' despite the underlying horror of what it became today. 

I feel like I have been Manipulated into signing for a loan for a service that is no longer going to be provided. I'll be drowning with debt for the rest of my life being forced to pay for something I will no longer have access to from their promises of all of these things. 
they are partnered with Climb Credit which is a debt collection agency to pay for funds to provide payments for the staffing. furthermore making my life even harder to even connect with the devslopes team for any issues and climb credit not having enough resources to contact them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: IL

Complaint narrative:
No action was taking from this company I will like this remove de from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
I am submittingto formally dispute inaccurate and potentially misleading information appearing on my credit report regarding the following accounts reported with the statuses Late/Open, Charge-Off, and Collection. These designations are unclear, incomplete, or inaccurately reflect my actual payment history and account standing. Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and not misleading ( 15 U.S.C. 1681i ). I hereby request a thorough reinvestigation of these accounts to verify the accuracy and appropriateness of these statuses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting to you with respect and concern regarding the accuracy of several entries appearing on my credit report. Over the years, I have worked very hard to maintain good credit standing, and I value the integrity of my financial history. Recently, upon carefully reviewing my credit file, I noticed that several accounts are showing late payments and delinquencies that I strongly believe to be inaccurate, incomplete, or unverifiable. Because I take my financial obligations seriously and maintain detailed personal records of my payments, I am requesting a full reinvestigation of the following accounts under the provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX * * Balance Owed : {$250000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-23 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: Self Financial Inc.
State: NY

Complaint narrative:
i don't have knowledge of this account i need it to be delete from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
This complaint is about a federal student loan that was originally serviced by XXXX and the Department of Education. The loan was paid in full and closed in XX/XX/year>, but all three credit bureaus, XXXX XXXX XXXX XXXX still report a XXXX past-due delinquency. This information is inaccurate because the account has been completely paid off for years and should show Paid or Closed with Pays as Agreed. I have maintained excellent payment history since the payoff and I am asking that all three bureaus review this account and remove or correct the reported delinquency so that my credit report reflects the accurate and current status of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im reaching out regarding the XXXX XXXX account thats showing on my credit report, connected to XXXX. The report lists a balance of {$950.00} and shows the account as a collection that was opened in XX/XX/year>. 

I believe there may be some errors or missing information in the way this account is being reported. The dates and balance dont seem to line up with what I remember from my time with T-Mobile, and Ive never received any detailed statement or proof showing exactly how the amount was calculated or that XXXX XXXX has the right to collect on it. 

Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, Im requesting a proper investigation and validation of this account. Please : Verify the accuracy of the balance, dates, and current status. 

Provide copies of any records or original documentation from T-Mobile showing the amount owed. 
Remove the account from my credit report if it cant be fully verified.

I understand mistakes can happen, and Im simply asking for this to be reviewed and corrected if needed. Once the investigation is complete, please send me confirmation of any updates or actions taken. 

Thank you for your time and for looking into 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 2025-10-23 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: IL

Complaint narrative:
The account listed is incorrect and has been inaccurately reported under my name.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-23 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: NC

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am submitting this complaints this letter after carefully reviewing my credit report and discovering multiple entries that do not accurately reflect my financial history. As a consumer who has worked diligently to maintain financial stability and transparency, I am deeply concerned that these errors are misrepresenting my payment integrity and creditworthiness. 
Upon review, I found several closed accounts that are being reported with late payments despite having a XXXX balance and being settled in full. These include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} Additionally, there is a charge-off account AFFIRM XXXX XXXX with a reported balance of {$120.00} which appears inconsistent with my records and lacks proper verification.

As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting a full reinvestigation of these items. This section of the Fair Credit Reporting Act mandates that credit reporting agencies must conduct a reasonable and timely investigation whenever a consumer disputes the accuracy of information appearing on their file.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are obligated to ensure maximum possible accuracy of any information reported. Inaccurate reporting of accounts that show late after being closed and paid in full not only violates this standard but also unfairly damages my reputation and access to fair credit opportunities.

I also wish to address the following inquiries that has appeared without my explicit authorization or legitimate business purpose : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> If this inquiry was not authorized in writing by me or not initiated in connection with a credit transaction I requested, then its reporting violates 15 U.S.C. 1681b ( f ), which clearly restricts the use of consumer reports to permissible purposes only. I am therefore requesting its immediate removal.

Lastly, per 15 U.S.C. 1681c ( a ), outdated or unverifiable information should not remain on my report. Since several of the accounts listed above have no late payment history and reflect XXXX balances, their continued reporting as derogatory is both unverifiable and misleading. 
In light of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am submitting this complaints this letter after carefully reviewing my credit report and discovering multiple entries that do not accurately reflect my financial history. As a consumer who has worked diligently to maintain financial stability and transparency, I am deeply concerned that these errors are misrepresenting my payment integrity and creditworthiness. 
Upon review, I found several closed accounts that are being reported with late payments despite having a XXXX balance and being settled in full. These include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} Additionally, there is a charge-off account AFFIRM XXXX XXXX with a reported balance of {$120.00} which appears inconsistent with my records and lacks proper verification.

As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting a full reinvestigation of these items. This section of the Fair Credit Reporting Act mandates that credit reporting agencies must conduct a reasonable and timely investigation whenever a consumer disputes the accuracy of information appearing on their file.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are obligated to ensure maximum possible accuracy of any information reported. Inaccurate reporting of accounts that show late after being closed and paid in full not only violates this standard but also unfairly damages my reputation and access to fair credit opportunities.

I also wish to address the following inquiries that has appeared without my explicit authorization or legitimate business purpose : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> If this inquiry was not authorized in writing by me or not initiated in connection with a credit transaction I requested, then its reporting violates 15 U.S.C. 1681b ( f ), which clearly restricts the use of consumer reports to permissible purposes only. I am therefore requesting its immediate removal.

Lastly, per 15 U.S.C. 1681c ( a ), outdated or unverifiable information should not remain on my report. Since several of the accounts listed above have no late payment history and reflect XXXX balances, their continued reporting as derogatory is both unverifiable and misleading. 
In light of these errors.

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 2025-10-23 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: TN

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
This account does not belong to me and has been reported 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prog Holdings, Inc.
State: DE

Complaint narrative:
On XX/XX/year>, I made a {$220.00} purchase through XXXX using XXXX XXXX XXXX XXXX XXXX service ( Order ID : XXXX ). XXXX issued a partial refund of {$110.00}, which XXXX confirmed was processed on XX/XX/year>. They stated the refund could take up to XXXX business days to reach my bank, but as of today, I have not received it. My bank confirmed that no refund has been sent. 

I contacted XXXX multiple times between XX/XX/XXXX and XX/XX/year>, through their in-app chat to request an update. The company confirmed my refund was processed, said the issue would be escalated, and then stopped responding. The refund remains missing. I have attached screenshots of all communications and account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
-Wells Fargo , N.A.- On XX/XX/XXXX I deposited a XXXX check at a Wells Fargo branch. {$400.00} was available immediately ; the rest showed available XX/XX/XXXX until XXXX XXXX, when my card was declined and the deposit was suddenly placed on a XXXX hold. I visited the branch and spoke with the manager, who did nothing to help and said this was normal practice. Notice came XXXXalmost XXXX hrs after the in person depositwith the contradictory reason you need to refer to maker of check .. XXXX confirmed the check had cleared. My account now shows {$170.00} and I receive overdraft notices. This appears to violate Regulation CC ( 229.13, 229.16, 229.19 ). I want an accurate explanation, fee reversal, and assurance this wont recur.

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