vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Third Notice of Dispute Demand for Deletion of INNACURATE Payment History Experian Report Number : XXXX To Whom It May Concern, This is my third written notice disputing the inaccurate reporting of a XXXX late payment on my Experian credit file associated with XXXX XXXX XXXX XXXX XXXX Despite my prior communications, Experian has failed to remove this inaccuracy or provide a legally sufficient Method of Verification, as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). Experian continues to reference certification by the lender, yet : This lender no longer services or maintains the closed account. No documentary evidence or method of verification has been provided to me. Both XXXX XXXX XXXX do not report any XXXX late payment as provided in my second notice, which raises serious concerns about XXXX accuracy and due diligence. Furthermore, the alleged XXXX late payment is dated XX/XX/XXXX, XXXX very day the account was paid in full. This clearly indicates an error in the payment history. I am not disputing the ACCOUNT ITSELF, but rather the inaccurate payment status being reported. This derogatory entry is causing measurable harm to my creditworthiness and ability to obtain credit. Under the FCRA, Experian is legally obligated to report ONLY ACCURATE AND VERIFIABLE information. Failure to correct or remove this entry after reasonable investigation, especially in light of the discrepancies and lack of evidence, constitutes willful noncompliance under the law. I am demanding the immediate deletion of the XXXX late payment from my credit file. Should Experian continue to report inaccurate information or fail to respond with a verifiable method of verification, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal remedies for damages under 15 U.S.C. 1681n and 1681o. Please consider this your final opportunity to resolve this matter amicably.

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 2025-08-16 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-16 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I spoke with a representative for Exeter in XX/XX/year>. I explained that I had unexpected expenses and need to request an extension. He told me that I was eligible for XXXX months if I needed it. I explained that I wasnt sure if I needed both months, but if I find out that needed that extra month for XXXX, could I call back the next month to get it. He said yes. I called back in XXXX to request and was told I had to take the XXXX extension at the time I spoke with him. I explained that rep provided incorrect information that now has me in a bind financially. They refused to honor the extra month extension but said rep will be trained. This doesnt help me as the customer though. I would like this XXXX extension as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells fargo bank charged {$10.00} service fee for 3 months when balance fell below {$500.00} according to their records. Each time on the day balance went below {$500.00} I made a XXXX transfer on that day to cover the amount below {$500.00} ( see attached spreadsheet ). The bank 's own records show that the bank was in possession of the funds on the day of the transfer ( see jpg attachment ). However, in each case the bank did not credit my account until the following day. The bank explained that this is because the transfers must clear through the federal reserve overnight. This may be true of checks, but XXXX transfers are supposed to be credited to the destination account almost immediately. I believe the bank owes me {$30.00} for 3 monthly service fees. This occurred in the months of XXXX2025, XXXX2025 and XXXX2025.

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 2025-08-16 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:
Consumer Information Provided ( as it appears on credit file ) : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Government-Issued Photo ID Number : XXXX FTC Identity Theft Report # : XXXX ( attached ) Complaint Against : TransUnion ( CFPB complaint filed : XX/XX/XXXX ; CRA initiated XXXX : XX/XX/XXXX ) Equifax ( CFPB complaint filed : XX/XX/XXXX ; CRA initiated XXXX : XX/XX/XXXX ) Experian ( CFPB complaint filed : XX/XX/XXXX ; CRA initiated XXXX : XX/XX/XXXX ) Issue Summary : Under 15 U.S.C. 1681c-2, Consumer Reporting Agencies ( CRAs ) are legally required to block information identified by a consumer as resulting from identity theft within XXXX ( XXXX ) business days of receiving : Proof of identity, A valid identity theft report, Identification of the disputed information, and A statement from the consumer that the information is not related to any transaction the consumer authorized. 
I provided all XXXX required elements to each CRA : FTC Identity Theft Report ( # XXXX ), Government-issued ID, My personal identifying information ( see above ), A detailed list of disputed accounts, and My signed statement that the information is not related to any transaction I authorized. 
Despite this, all three CRAs have failed to block and delete the disputed information within XXXX ( XXXX ) business days as required by law. Instead, they are wrongfully stalling by treating my block request as a 1681i reinvestigation. This is a deceptive and unlawful tactic, because 1681c-2 provides no discretion once the statutory elements are met. 
Disputed Information ( to be blocked/removed ) : TransUnion Charge-offs XXXX XXXX XXXX Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$1200.00} Equifax Charge-offs : XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX | Balance : {$1200.00} Experian Charge-offs : XXXX XXXX XXXX Opened : XX/XX/XXXX | Last XXXX XXXX XX/XX/XXXX | Balance : {$1200.00} Violations : The CRAs failure to block these accounts violates : 15 U.S.C. 1681c-2 ( Failure to block identity theft information ), 15 U.S.C. 1681b ( No permissible purpose for reporting ), 15 U.S.C. 1681n & 1681o ( Willful and negligent violations ), and 18 U.S.C. 1028A ( Aggravated Identity Theft ).

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 2025-08-16 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:
Consumer Information Provided ( as it appears on credit file ) : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Government-Issued Photo ID Number : XXXX FTC Identity Theft Report # : XXXX ( attached ) Complaint Against : TransUnion ( CFPB complaint filed : XX/XX/XXXX ; CRA initiated XXXX : XX/XX/XXXX ) Equifax ( CFPB complaint filed : XX/XX/XXXX ; CRA initiated XXXX : XX/XX/XXXX ) Experian ( CFPB complaint filed : XX/XX/XXXX ; CRA initiated XXXX : XX/XX/XXXX ) Issue Summary : Under 15 U.S.C. 1681c-2, Consumer Reporting Agencies ( CRAs ) are legally required to block information identified by a consumer as resulting from identity theft within XXXX ( XXXX ) business days of receiving : Proof of identity, A valid identity theft report, Identification of the disputed information, and A statement from the consumer that the information is not related to any transaction the consumer authorized. 
I provided all XXXX required elements to each CRA : FTC Identity Theft Report ( # XXXX ), Government-issued ID, My personal identifying information ( see above ), A detailed list of disputed accounts, and My signed statement that the information is not related to any transaction I authorized. 
Despite this, all three CRAs have failed to block and delete the disputed information within XXXX ( XXXX ) business days as required by law. Instead, they are wrongfully stalling by treating my block request as a 1681i reinvestigation. This is a deceptive and unlawful tactic, because 1681c-2 provides no discretion once the statutory elements are met. 
Disputed Information ( to be blocked/removed ) : TransUnion Charge-offs XXXX XXXX XXXX Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$1200.00} Equifax Charge-offs : XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX | Balance : {$1200.00} Experian Charge-offs : XXXX XXXX XXXX Opened : XX/XX/XXXX | Last XXXX XXXX XX/XX/XXXX | Balance : {$1200.00} Violations : The CRAs failure to block these accounts violates : 15 U.S.C. 1681c-2 ( Failure to block identity theft information ), 15 U.S.C. 1681b ( No permissible purpose for reporting ), 15 U.S.C. 1681n & 1681o ( Willful and negligent violations ), and 18 U.S.C. 1028A ( Aggravated Identity Theft ).

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am currently in need to {$5200.00} to prevent eviction, {$10000.00} to pay ALL loan debt, and approximately {$8500.00} to purchase a used vehicle. I want to increase my credit score from XXXX to qualify for a used vehicle. I also have {$1500.00} in XXXX debt which I am going to XXXX  for XX/XX/year>. A recent XXXX  charge which I received today XX/XX/year>. This crisis is so overbearing that I have not been a good mental state. Wanting to XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I'm filing this complaint against debt collection company called Midland Credit Management regarding inaccurate information they furnished on my consumer report that was inaccurate. I called their agency on XX/XX/year> just to verify the information they reported on my consumer reports with the XXXX consumer reporting agencies. I found that there was some information that the representative provided to me that did not match what was being reported to my consumer reports, so I disputed the information. I specifically disputed the date of last payment, date of first delinquency, the completeness and accuracy of the account 's open date, and a few other items of information. After these disputes were submitted on or about XX/XX/year>, the inaccurate information returned verified in or around XX/XX/year>. This indicated to me that if a representative of their company is telling me one thing and they are reporting something totally different and when that information was disputed, they verify it as accurate, no reasonable investigation was done on this account. To say the least this may be an act of negligence for violation section 1681s-2 ( b ) under the Fair Credit Report Act. This outcome may also trigger violations under the Fair Debt Collection Practices Act section 1692e. Under the FCRA unverifiable information is required to be updated, deleted, or blocked. In this case considering the disputed information was verified while being false, the true action that was required to take place was to delete the information from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
auto info is being reported incorrectly. i was also told by the company that if i entered into a payment plan I would not recieve any late payment marks on my credit report. Despite this, late payments are being reported which is inaccurate and misleading. This has negatively impacted my credit and does not reflect the agreement given.

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 2025-08-16 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: NV

Complaint narrative:
auto info is being reported incorrectly. i was also told by the company that if i entered into a payment plan I would not recieve any late payment marks on my credit report. Despite this, late payments are being reported which is inaccurate and misleading. This has negatively impacted my credit and does not reflect the agreement given.

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 2025-08-16 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: NV

Complaint narrative:
auto info is being reported incorrectly. i was also told by the company that if i entered into a payment plan I would not recieve any late payment marks on my credit report. Despite this, late payments are being reported which is inaccurate and misleading. This has negatively impacted my credit and does not reflect the agreement given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I submitted a formal dispute to Equifax regarding multiple inaccurate and unverifiable accounts on my credit report. After they marked them as verified, I exercised my rights under FCRA 611 ( a ) ( 7 ) and sent a certified Method of Verification ( MOV ) request on XX/XX/year>2025. 

I asked Equifax to provide the name, contact info, and procedures used to verify these accounts, along with any documentation relied upon during the reinvestigation. As of today, Equifax has failed to respond or provide any verification, yet continues to report the negative accounts. 

This is a clear violation of FCRA 611 and 1681e ( b ). I am requesting immediate deletion of all unverifiable information. I have attached my certified mail receipt, MOV letter, and supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
HOW DO I FELL MY OWN CREDIT PROFILE QUESTIONS THAT TURNS INTO ME BEING DENIED CREDIT OR ANYTHING BECAUSE THESE BUREAUS ARE DOING AND REPORTING WHAT EVER THEY WANT FOR MONEY NOT LISTENING OR DOING ANYTHING IN THE CONSUMERS FAVOR AND IM REALLY TIRED OF IT!!! CFPB CAN YOU GET ALL XXXX OR MORE OF MY COMPLAINTS HANDLED FOR GOOD SO ME AND MY FAMILY CAN LIVE A PRODUCTIVE LIFE! ! Equifax, Experian, TransUnion, XXXX, XXXX Subject : Demand for Better Service, Full Consumer Report Update, and Permanent Removal of Fraudulent/Outdated Information To Whom It May Concern, I am requesting immediate and permanent updates to my consumer profile. Despite multiple disputes and confirmed deletions in the past, I continue to experience serious harm because the same fraudulent, inaccurate, outdated, and previously deleted information is still being displayed to creditors and other institutions when my profile is accessed.

This includes but is not limited to : Collection accounts ( fraudulent and paid/closed ) Late payment accounts ( inaccurate and unverifiable ) Closed accounts that should not be reporting negatively Credit inquiries that were unauthorized or fraudulent Accounts previously removed after disputes that have reappeared Each time my credit report is viewed, creditors see harmful and misleading activity that does not belong on my report. This has caused denials of credit, loans, and financial opportunities, and it violates my rights under the Fair Credit Reporting Act ( FCRA ).

My Demands Under FCRA and FDCPA 1. Immediately delete and permanently suppress all fraudulent, outdated, unverifiable, and previously removed accounts, collections, late payments, and inquiries.

2. Update my file to reflect only accurate and positive information, ensuring that creditors see a true reflection of my financial responsibility.

3. Prevent reinsertions of any deleted items without full compliance with FCRA 611 ( a ) ( 5 ) ( B ), including proper furnisher certification and written notice to me within 5 business days.

4. Ensure maximum possible accuracy as required under FCRA 607 ( b ).

5. Provide a full written update confirming all actions taken and the steps you will implement to prevent this ongoing harm.

I expect better service, accountability, and protection when it comes to my consumer report. The continued reporting of false and harmful data is unacceptable, unlawful, and financially damaging. If this matter is not resolved immediately, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and pursue legal action for damages under FCRA 616617.

Please treat this as an urgent demand for a complete reinvestigation, correction, and permanent suppression of all fraudulent and inaccurate accounts. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Dear CFPB, This letter serves as an official supplement to my active complaint regarding the inaccurate reporting and collection of student loan accounts by the Department of Education, Nelnet, and/or any related servicers. 
Since filing my original complaint, I have obtained my full National Student Loan Data System ( XXXX ) report from the U.S. Department of Education, dated XX/XX/XXXX. 
The XXXX confirms the following : Multiple loans allegedly reported on my credit file were in fact cancelled and never disbursed : XXXX XXXX XXXX ( XXXX ) : {$7500.00} total {$0.00} disbursed, fully cancelled on XX/XX/XXXX. 


XXXX XXXX XXXXXXXX XXXX ( XXXX ) : {$2200.00} total {$0.00} disbursed, fully cancelled on XX/XX/XXXX. 


These loans should not be reported as active or delinquent under any circumstances. 


Only XXXX loans are currently active and in repayment : XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) : {$740.00} balance XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) : {$1200.00} balance Servicer Clarity : The only active servicer on record is Department of Education XXXX Nelnet. 


Any reporting or collection from other entities ( XXXX, XXXX, etc. ) without proper reassignment is questionable and potentially unlawful. 


These findings directly support my claim that certain entries on my credit report are factually inaccurate and unverifiable. I am requesting : Immediate deletion of all cancelled loans from my credit report.

Formal validation of the two remaining loans, including full payment history, disbursement records, and servicing authority. 


I have attached the full XXXX document to this complaint as evidence. 
Thank you for your attention to this matter. Please confirm receipt and notify me of next steps or any additional documentation required. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation