vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date : XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Debt Validation Account No. XXXX Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and legitimacy of a collection account currently being reported on my credit file under the name XXXX XXXX XXXX, associated with Account Number : XXXX. 

This account is being reported inaccurately and fraudulently for the following reasons : XXXX XXXX XXXX is not the original creditor, yet it is being reported as such. This is misleading, incorrect, and deceptive. XXXX XXXX is a debt buyer, not a credit lender, and should not be listed as the original creditor on any consumer report. 
The reporting of this account without proper documentation and verification is a violation of my rights under the FCRA and FDCPA. 
In accordance with my rights, I am requesting that Equifax immediately investigate and validate this account. Specifically, I request the following documentation to substantiate the legitimacy of this debt : A copy of the Forward Flow Agreement or Purchase and Sale Agreement between the original creditor and XXXX XXXX XXXX. 
A complete Chain of Assignment showing all transfers of ownership from the original creditor to XXXX XXXX XXXX. 
Account-level documentation, including the original signed contract or agreement, full payment history, and any statements or correspondence related to the account. 
Confirmation of whether an attorney has reviewed and signed off on the documentation being used to validate and report this debt. 
If Equifax can not obtain and provide this documentation from the data furnisher ( XXXX XXXX XXXX ), I request that this account be immediately deleted from my credit report, as it is unverifiable and misleading. 

Please conduct a full reinvestigation and provide me with the results in writing within the time frame required by law. I also request that you send me an updated copy of my credit report reflecting any changes made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am submitting this formal complaint regarding XXXX XXXXXXXX XXXX continued reporting of inaccurate information to the credit bureaus, despite my fulfillment of payment obligations and written confirmation of settlement. 

On XX/XX/year>, I made a payment to XXXX XXXX in accordance with the agreed settlement terms. XXXX XXXX provided a written confirmation letter verifying receipt of this payment and confirming that the account would be updated accordingly. However, as of the date of this letter, XXXX XXXX has failed to properly report the updated account status to XXXX and Equifax, resulting in significant harm to my credit profile. 

Despite multiple attempts to resolve this matter directly with XXXX XXXX, the inaccurate data remains. The account continues to reflect derogatory or delinquent remarks inconsistent with the confirmed settlement, which violates both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) provisions regarding the duty to report accurate and complete information. 

This misreporting has caused ongoing financial distress and has impeded my ability to obtain fair credit opportunities. I am requesting the CFPB to investigate XXXX XXXXXXXX XXXX noncompliance and ensure immediate correction of my account status across all credit bureaus. 

Please find the following attached documentation in support of this complaint : XXXX. Proof of payment made to XXXX XXXX on XX/XX/year> XXXX. Written settlement confirmation from XXXX XXXX XXXX. Current credit reports from XXXX  and Equifax showing inaccurate reporting I appreciate your prompt attention to this matter and request that you provide updates as the investigation proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-03 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: VA

Complaint narrative:
I am a consumer working to resolve discrepancies in my credit report and would like to dispute certain items. Below is a list of the accounts and inquiries in question, separated by each credit bureau. I kindly request that each bureau investigate and update my credit file accordingly. 
Charged Off Accounts in Dispute : XXXX  Account : XXXX Reported : XX/XX/XXXX Balance : {$9900.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

Inquiries in Dispute : XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove this inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

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

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 2025-11-03 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: IN

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information in my credit report. Below are the accounts that require investigation and correction to ensure my credit file is accurate and in compliance with the Fair Credit Reporting Act ( FCRA ) .Charged-Off Accounts in Dispute : XXXX  XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$6700.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$5700.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$4800.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX Account XXXX XXXX Reported : XX/XX/XXXX Balance : {$2000.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 
Experian ( EX ) Inquiries : XXXX XXXX XXXX : XX/XX/XXXX Dispute : This inquiry is inaccurate or unauthorized. Please investigate. 

XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry is inaccurate or unauthorized. Please investigate. 

XXXX XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry is inaccurate or unauthorized. Please investigate. 

XXXX  Date : XX/XX/XXXX Dispute : This inquiry is inaccurate or unauthorized. Please investigate.

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 2025-11-03 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: CA

Complaint narrative:
I am writing once again to demand the immediate removal of fraudulent items persisting on my credit report. Despite my repeated attempts to resolve this, these unauthorized entries continue to plague my report. This unacceptable situation is deeply distressing and highlights severe failures in your systems that have allowed it to persist for far too long. My credit report contains incorrect personal information, directly causing these unknown and inaccurate accounts to appear. I am a confirmed victim of identity theft my information was stolen and used fraudulently, resulting in entries on my report that I have never authorized or been associated with. As instructed by TransUnion, I filed an FTC identity theft report and submitted it to you, yet these fraudulent items remain untouched.

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 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
No help with Gov ShutDown Programs with my VA Loan, had to wait XXXX mins on the call to be told this. 

The only thing they due is delay the due date by 2 weeks. 

If my payment is due XX/XX/XXXX, and late by XXXX. 

Then I ll just owe double on XX/XX/XXXX, ( XXXX + XXXX XXXX ) This is a terrible company to work with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my phone while out traveling to XXXX near the XXXX area, and I noticed a transaction was made on my account. I immediately called my bank to freeze my account, while I got everything handled with the police department. I reported the lost /stolen device to the police, and they mentioned several things about how this couldve happened. They believed my SIM card may have been compromised and that thats how they were able to get into my phone. I also went ahead and spoke with the legal department of my phone company to let them know about my situation to see if they could help. Due to everything, I had to get a SIM card replacement and a new phone. Which I can send receipts of here with the complaint. I also received a letter from the XXXX XXXX department that Ill attach with the police report. Whoever stole my money transferred about XXXX dollars in an unauthorized transaction. Ive been working with my phone company, the police department and with Wells Fargo to try and get this taken care of. Its too much money to lose.. I hope this is enough to finally get this handled. The last time I filed a complaint with Wells Fargo I was told to send a letter from the tmobile. It took me about a month to finally get ahold of the right person in the legal department to investigate into my issue.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
I am disputing the following items on my credit report as inaccurate or incomplete. I request a thorough investigation and correction of these discrepancies as outlined under the Fair Credit Reporting Act. If these items can not be verified, I request that they be removed from my credit report. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$930.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$650.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened an account with Bank of America on XX/XX/year>. The following days, I transferred in {$2000.00} total to the account. Within 3 days, Bank of America closed my account for identification verification issues. By XX/XX/year> I called the number provided and spoke to a representative who was able to let me know they closed my account and sent the check with my remaining funds on the XXXX. The representative quoted 7-10 days for the check to arrive. I have USPS informed delivery and the check is nowhere to be seen as of today XX/XX/year>. Since then, I have received multiple ad flyers from Bank of America so I know it is not an issue with the address. I have called many times over the course of the last XXXX weeks to which the representative has no answer other for me to keep waiting. 
The check was also supposedly sent from an office in the same state that I live in so it is extremely concerning this check has not shown up.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am submitting this formal complaint regarding Exeter Finance LLCs continued reporting of inaccurate information to the credit bureaus, despite my fulfillment of payment obligations and written confirmation of settlement. 

On XX/XX/year>, I made a payment to Exeter Finance in accordance with the agreed settlement terms. Exeter Finance provided a written confirmation letter verifying receipt of this payment and confirming that the account would be updated accordingly. However, as of the date of this letter, Exeter Finance has failed to properly report the updated account status to XXXX  and XXXX, resulting in significant harm to my credit profile. 

Despite multiple attempts to resolve this matter directly with Exeter Finance, the inaccurate data remains. The account continues to reflect derogatory or delinquent remarks inconsistent with the confirmed settlement, which violates both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) provisions regarding the duty to report accurate and complete information. 

This misreporting has caused ongoing financial distress and has impeded my ability to obtain fair credit opportunities. I am requesting the CFPB to investigate Exeter Finance LLCs noncompliance and ensure immediate correction of my account status across all credit bureaus. 

Please find the following attached documentation in support of this complaint : XXXX. Proof of payment made to Exeter Finance on XX/XX/year> XXXX. Written settlement confirmation from Exeter Finance 3. Current credit reports from XXXX  and XXXX  showing inaccurate reporting I appreciate your prompt attention to this matter and request that you provide updates as the investigation proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit Corporation
State: DC

Complaint narrative:
I have an XXXX attached to my car, but I was not charged for XXXX toll due to insufficient funds on XX/XX/year>. I received a notice to pay the toll, but did not see it until weeks later. When I checked, I had another final invoice notice with a higher amount. When I called XXXX to pay on XX/XX/year>, I was told that the bill was forwarded to collections. When I contacted collections, they asked me to pay a $ XXXX fine. The issue is that I never received any written notification from the debt collection notification in the mail and when I asked them if they mailed anything, they said they mailed it on Monday, XX/XX/year>. Per the Fair Debt Collection Practices Act ( FDCPA ), I am supposed to notified, in writing, of a debt collector notice within XXXX days of receipt by the debt collector. The XXXX teams confirmed that my outstanding invoice was forwarded to the collections agency on XXXX XXXX, which means that I should have received a written notification from the collections agency by XX/XX/year>, which I did not. I've contacted the collections agency to settle, but the best they can offer me is a 25 % discount off of the $ XXXX invoice, which is absurd. They failed to notify me and it wasn't until I called XXXX that I knew that my bill had been sent to collections. I have attached the most recent communication I have regarding this outstanding bill, which is from XXXX, and NOT from the debt collection agency.

Company response to consumer: Closed with explanation