vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-04 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: RI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate and reliable credit report. I request a review of these entries, and if they can not be verified as correct, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint regarding a fraudulent account that has appeared on my credit report. I never authorized, opened, or used this account, and I deny any connection to it. Its reporting is false and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: MD

Complaint narrative:
Re : Dispute of Inaccurate Collection Account Account Name : XXXX XXXXt-Tek Collect INC Account Number : XXXX I am writing to formally dispute the accuracy of a collection account that appears on my credit report. The account details are as follows : Creditor : Smile Direct Club TEK COLLECT INC Reported Balance : $ XXXX I have already paid {$960.00} to XXXX XXXX XXXX and have the credit card statements as proof This debt is inaccurate and invalid because the original creditor, XXXX XXXXXXXX XXXX XXXX breached the contract by failing to provide the agreed-upon services. Specifically : The company declared bankruptcy and ceased operations before completing my sons orthodontic treatment. 
The service for which I was billed was never fulfilled, making the debt invalid under consumer protection laws and contract law. 
I have documentation showing the treatment was incomplete and that the business permanently closed. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an investigation into this matter and remove this collection account from my credit file if you can not verify its accuracy with legitimate supporting documentation from the original creditor. 

My son started XX/XX/year> with smile direct and Smile direct filed bankruptcy on XX/XX/year> so my son was never followed by a dentist and was unable to have his treatment completed. The contract was breached, and I will not pay for services that were never rendered. 

Please provide me with written confirmation of the results of your investigation. If you verify the debt, include the method of verification, the name and contact information of the original creditor, and proof that the debt is valid and legally enforceable. 

Thank you for your prompt attention to this matter. I expect your investigation to be completed within XXXX XXXXays as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
They processed my payoff twice. I had multiple chats & phone calls about my payoff. They then refunded me the double payoff instead of the amount I was owed XXXX. They said they can fix that & someone would call me before they debit it back. They just debited {$25000.00} from my checking account instead of leaving me what I was owed for my over payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-04 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
sudden link acc XXXX balance XXXX is not my account i needs to be taken off my credit report unverified

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 2025-09-04 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: MD

Complaint narrative:
I had be brought to my attention that my personal information was exposed in a XXXX XXXX breach after reviewing my credit reports I noticed some accounts I am not familiar with I have ask the CRAs for validation of debt the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with Please find a copy of my IDID theft complaint to the FTC and a copy of the XXXX report showing my information being exposed in a XXXX XXXX  breach and a debt validation letter

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 2025-09-04 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: MD

Complaint narrative:
I had be brought to my attention that my personal information was exposed in a XXXX XXXX breach after reviewing my credit reports I noticed some accounts I am not familiar with I have ask the CRAs for validation of debt the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with Please find a copy of my IDID theft complaint to the FTC and a copy of the XXXX report showing my information being exposed in a XXXX XXXX  breach and a debt validation letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

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 2025-09-04 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: GA

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
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I received the below email and then I received a credit alert from XXXX  saying that Wells Fargo checked my credit. I do not have an account at Wells Fargo, I did not request a credit card, and I did not authorize this. 

Congrats, XXXX! 

You're approved for the Wells Fargo XXXX XXXX XXXX.

Confirm your card and add it to your digital wallets when it arrives, all from your phone. Make sure you have the Wells Fargo Mobile app so you're ready.

Get the app Your account info Credit limit {$11000.00} Purchase APR XXXX % * * XXXX % introductory APR for XXXX months from account opening. After that, your APR will be XXXX %. This APR will vary with the market based on the XXXX XXXX Rate.

Important things to know How do I start using my card?

Follow the instructions to let us know you've received your card. Then, you can view transactions and make payments.

Where will my card be sent? 

Your card should arrive at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX within XXXX business days. 

Application reference number : XXXX Didn't apply for this card? 

If you didn't submit this credit card application, please call us at XXXX. 

Thank you for choosing Wells Fargo.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts currently appearing on my consumer credit report. The information being reported is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX and XXXX. 

The following accounts are in dispute : Credit Collections ( Original Creditor : XXXX XXXX XXXX Co ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX. 

Bankruptcy These accounts are not being reported in compliance with the FCRA and are causing harm to my consumer profile.I am requesting that these accounts be removed and blocked immediately as permitted under federal 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance is reporting inaccurate information on my credit reports regarding my account. The payment history and associated fees they are reporting do not reflect my actual payment record and are not accurate. 
I have disputed this information directly with the credit reporting agencies, but Exeter has continued to report the same inaccurate data without correcting it. Their reporting of improper fees and incorrect payment history creates a misleading and negative representation of my account. 
Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report complete and accurate information and to correct or delete information found to be inaccurate. Exeters continued reporting of these inaccuracies despite my disputes is a violation of this requirement. 
I am requesting that the CFPB ensure Exeter corrects the inaccurate reporting of my payment history and fees, and that only accurate and verifiable information remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX  is reporting a collection account from Amsher Collection Services that does not belong to me. This account is the result of identity theft, and I have already provided the required documentation under the FCRA Identity Theft Block ( 15 U.S.C. 1681c-2 ). Despite this, XXXX  continues to report the account, which is a clear violation of my rights. I am requesting immediate deletion of this fraudulent account from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation