vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: Central Research Inc
State: TX

Complaint narrative:
I am filing this complaint againsXXXX XXXX because I am currently in the process of disputing inaccurate information on my credit report, and the handling of this dispute has been inadequate. 

I initiated a formal dispute with XXXX XXXX on XX/XX/XXXX ( confirmation number XXXX ) and it never got resolved so I then filed a dispute with XXXX on XX/XX/XXXX ( confirmation number XXXX ) providing complete documentation to support the correction. This includes my mortgage statement letter from XXXX which shows I am up to date and consolidated with all my payment and student loans. Ive recently filed another dispute on XX/XX/XXXX ( confirmation number XXXX ) and havent heard back yet. 

While the dispute remains open, XXXX has not provided any meaningful updates, communication, or indication that the matter is being properly investigated. Additionally, both XXXX XXXX XXXX have already updated their reports to reflect the correct information. 

I am concerned that XXXX is not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ), which requires a XXXX XXXX XXXX to conduct a reasonable investigation and correct or delete inaccurate information within 30 days. 

This ongoing inaccuracy is negatively impacting my credit score and causing undue stress. I am requesting that the CFPB help ensure XXXX  resolves this dispute promptly and updates my credit report to reflect accurate, verified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The company is violating my rights, they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
FCRA 1681e ( b ) requires that credit reporting agencies ensure all reported information is accurate and up to date. The continued reporting of conflicting or unverifiable data violates this standard.

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 2025-06-20 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: GA

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has been reported under my name. This account was opened without my knowledge, without my consent, and without my authorization. It is the result of unauthorized use of my identity in other words, fraud and it has absolutely nothing to do with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a new checking account XX/XX/year> when opening the account I was promised XXXX $ bonus for meeting certain requirements. Wells Fargo opened up two accounts for me and I continued to deposit into one account I was told the other would close on its own. Today I was told I was not eligible for the bonus as my account was not new. The account they claim was new wasnt new and stated it was reopened I never reopened the account I started a new one. Theyre just opening accounts with out consent and finding loopholes to avoid paying bonus

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 2025-06-20 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: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate and potentially unlawful reporting practices related to the following account listed on my credit report : Creditor Name : XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Reporting Agencies Involved : XXXX, Experian Nature of the Complaint : 1. Incorrect Information and Fees Added to My Account This account was closed as of XX/XX/year>, yet fees appear to have been added or updated after that date. These charges appear to have no basis, and no adequate documentation has been provided by the creditor to verify their accuracy. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or unverifiable information. 
2. Incorrect Address Listed on My Credit File Additionally, there is an incorrect address associated with this account. This raises serious concerns about the validity of the account reporting and the possibility of identity confusion or error. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report.

3. Failure to Verify or Dispute Status Noted Despite these errors, the account is listed as Account not disputed, even though the information is being contested. Per 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information, and the credit reporting agency and data furnisher must conduct a reasonable investigation.

4. Violation of CFPB Rules on Fair Debt Collection and Reporting Charging additional fees or reporting inflated balances after closure may constitute deceptive or unfair practices under the CFPBs UDAAP standards ( Unfair, Deceptive, or Abusive Acts or Practices ), as outlined in 12 U.S.C. 5531.

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/year>, I called and spoke with an XXXX representative on how to best address my current student loan status. He indicated that I had to complete an application via mail in order to process a request for an economic hardship. I asked them to proceed with this requirement. I also asked that they document my conversation with them and that I was being proactive in addressing the matter. The letter I received was in a language that I don't speak. I had to then call back and request the appropriate letter be sent out. 

On XX/XX/year>, XXXX reported to the credit agencies that my account was 90 days deliquent. 

On XX/XX/year>, I spoke with another representative to have my account issue resolved. This time, she went through the economic hardship application with me over the phone. Once it was determined that I was not eligible for this, she went over my options, in which case we applied for forbearance, which was approved same day. 

On XX/XX/year>, I called XXXX and spoke with ( Escalation Specialist ) XXXX XXXX XXXX ID number XXXX, indicating that I believe I was purposely misled by the representative on XX/XX/year>, in order to report to the credit agencies about my delinquency. Should the representative on XX/XX/year>, went over my account as they did on XX/XX/year>, the matter would have been resolved sooner and not led to my credit report being damaged.

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 2025-06-20 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: CT

Complaint narrative:
On XX/XX/year>, I called and spoke with an XXXX representative on how to best address my current student loan status. He indicated that I had to complete an application via mail in order to process a request for an economic hardship. I asked them to proceed with this requirement. I also asked that they document my conversation with them and that I was being proactive in addressing the matter. The letter I received was in a language that I don't speak. I had to then call back and request the appropriate letter be sent out. 

On XX/XX/year>, XXXX reported to the credit agencies that my account was 90 days deliquent. 

On XX/XX/year>, I spoke with another representative to have my account issue resolved. This time, she went through the economic hardship application with me over the phone. Once it was determined that I was not eligible for this, she went over my options, in which case we applied for forbearance, which was approved same day. 

On XX/XX/year>, I called XXXX and spoke with ( Escalation Specialist ) XXXX XXXX XXXX ID number XXXX, indicating that I believe I was purposely misled by the representative on XX/XX/year>, in order to report to the credit agencies about my delinquency. Should the representative on XX/XX/year>, went over my account as they did on XX/XX/year>, the matter would have been resolved sooner and not led to my credit report being damaged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/year>, I called and spoke with an XXXX representative on how to best address my current student loan status. He indicated that I had to complete an application via mail in order to process a request for an economic hardship. I asked them to proceed with this requirement. I also asked that they document my conversation with them and that I was being proactive in addressing the matter. The letter I received was in a language that I don't speak. I had to then call back and request the appropriate letter be sent out. 

On XX/XX/year>, XXXX reported to the credit agencies that my account was 90 days deliquent. 

On XX/XX/year>, I spoke with another representative to have my account issue resolved. This time, she went through the economic hardship application with me over the phone. Once it was determined that I was not eligible for this, she went over my options, in which case we applied for forbearance, which was approved same day. 

On XX/XX/year>, I called XXXX and spoke with ( Escalation Specialist ) XXXX XXXX XXXX ID number XXXX, indicating that I believe I was purposely misled by the representative on XX/XX/year>, in order to report to the credit agencies about my delinquency. Should the representative on XX/XX/year>, went over my account as they did on XX/XX/year>, the matter would have been resolved sooner and not led to my credit report being damaged.

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 2025-06-20 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: CT

Complaint narrative:
On XX/XX/year>, I called and spoke with an Aidvantage representative on how to best address my current student loan status. He indicated that I had to complete an application via mail in order to process a request for an economic hardship. I asked them to proceed with this requirement. I also asked that they document my conversation with them and that I was being proactive in addressing the matter. The letter I received was in a language that I don't speak. I had to then call back and request the appropriate letter be sent out. 

On XX/XX/year>, Aidvantage reported to the credit agencies that my account was 90 days deliquent. 

On XX/XX/year>, I spoke with another representative to have my account issue resolved. This time, she went through the economic hardship application with me over the phone. Once it was determined that I was not eligible for this, she went over my options, in which case we applied for forbearance, which was approved same day. 

On XX/XX/year>, I called aidvantage and spoke with ( Escalation Specialist ) XXXX XXXX XXXX ID number XXXX, indicating that I believe I was purposely misled by the representative on XX/XX/year>, in order to report to the credit agencies about my delinquency. Should the representative on XX/XX/year>, went over my account as they did on XX/XX/year>, the matter would have been resolved sooner and not led to my credit report being damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Did not get response, followed up but no request was found or noted.

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 2025-06-20 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Charge-Off on Credit Report XXXX  Account To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate charge-off account being reported on my credit file by XXXX Below are the details of the account in question : Creditor : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection/Charge-Off Closed Date : XX/XX/XXXX Balance Reported : {$480.00} Credit Bureaus Reporting : XXXX XXXX Reported Past Due Amount : {$480.00} I am disputing this charge-off under the protections afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I believe this account is either inaccurately reported, unverifiable, or may be outdated and therefore should be removed.

Under FCRA Section 611 ( 15 U.S. Code 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agencies and data furnisher ( in this case, XXXX  ) are obligated to : 1. Conduct a reasonable investigation within 30 days, 2. Verify the accuracy of the information, and 3. Delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

To date, I have not received any documentation validating this alleged debt, and the continued reporting of this derogatory mark is causing undue harm to my credit profile. 

Furthermore, under FCRA Section 602 ( A ), it is the policy of Congress that consumer reporting agencies ensure maximum possible accuracy of the information they report. In the absence of proper validation from the original creditor, the account must be deleted as required by law. 

I am formally requesting the CFPB to initiate an investigation into this matter and hold the reporting parties accountable for failing to comply with federal regulations regarding credit reporting accuracy and consumer dispute resolution. 

Thank you for your attention to this matter. I respectfully request this account be investigated and removed from my credit report if validation can not be provided in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last Four Digits of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NE

Complaint narrative:
XX/XX/year> I am reporting a fraudulent student loan that was added to my credit report without my authorization. I never applied for, accepted, or signed for this student loan, yet it appears on my Equifax and XXXX  credit reports. I submitted disputes to both bureaus, and the loan servicer, claiming it is not mine. 
After disputing it, Equifax added a remark code to the account without my consent. This action falsely suggests that I am managing or responsible for the account, which I am not. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), as this student loan is the result of identity theft and I am being inaccurately represented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NE

Complaint narrative:
XX/XX/year> I am reporting a fraudulent student loan that was added to my credit report without my authorization. I never applied for, accepted, or signed for this student loan, yet it appears on my XXXX  and TransUnion credit reports. I submitted disputes to both bureaus, and the loan servicer, claiming it is not mine. 
After disputing it, XXXX added a remark code to the account without my consent. This action falsely suggests that I am managing or responsible for the account, which I am not. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), as this student loan is the result of identity theft and I am being inaccurately represented.

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 2025-06-20 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-20 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief