vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Subject : Credit Bureau Failed to Correct Inaccurate Late Payments After Reinvestigation XXXX XXXXXXXX Account Complaint : I am filing this complaint against the credit reporting agency for failing to properly reinvestigate and remove inaccurate late payments reported on my XXXX XXXX account, in violation of my rights under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ).

Despite submitting a formal dispute regarding the late payments reported by XXXX XXXX, the credit bureau completed the reinvestigation without providing the reasonable procedures or required documentation to verify the accuracy of the negative information. 

Per 15 USC 1666 ( b ), creditors are required to provide proof that billing statements are sent at least 21 days prior to the due date to ensure fair notice. The credit bureau has failed to obtain or present any such evidence from XXXX XXXX. 

Furthermore, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), a consumer report should not contain information based solely on transactions or experiences between the consumer and the creditor if it negatively affects the consumers credit standing. The late payments reported by XXXX XXXX directly impact my credit profile and are part of my direct transaction history with the creditor, which should not be furnished without proper validation. 

Since the credit bureau failed to correct or remove this information after my dispute and did not provide legally required documentation justifying its continued reporting, I am requesting that the CFPB investigate this matter and ensure that the inaccurate late payments are permanently removed from my credit report. 

Account involved : XXXX XXXX Account XXXX XXXX XXXXXXXX Relief sought : Immediate deletion of the inaccurate late payments from all consumer reporting agencies ( Equifax, XXXX XXXX XXXX  ) and confirmation of correction sent to me in writing. 

Thank you for your assistance in protecting my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Subject : Credit Bureau Failed to Correct Inaccurate Late Payments After Reinvestigation XXXX XXXXXXXX Account Complaint : I am filing this complaint against the credit reporting agency for failing to properly reinvestigate and remove inaccurate late payments reported on my XXXX XXXX account, in violation of my rights under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ).

Despite submitting a formal dispute regarding the late payments reported by XXXX XXXX, the credit bureau completed the reinvestigation without providing the reasonable procedures or required documentation to verify the accuracy of the negative information. 

Per 15 USC 1666 ( b ), creditors are required to provide proof that billing statements are sent at least 21 days prior to the due date to ensure fair notice. The credit bureau has failed to obtain or present any such evidence from XXXX XXXX. 

Furthermore, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), a consumer report should not contain information based solely on transactions or experiences between the consumer and the creditor if it negatively affects the consumers credit standing. The late payments reported by XXXX XXXX directly impact my credit profile and are part of my direct transaction history with the creditor, which should not be furnished without proper validation. 

Since the credit bureau failed to correct or remove this information after my dispute and did not provide legally required documentation justifying its continued reporting, I am requesting that the CFPB investigate this matter and ensure that the inaccurate late payments are permanently removed from my credit report. 

Account involved : XXXX XXXX Account XXXX XXXX XXXXXXXX Relief sought : Immediate deletion of the inaccurate late payments from all consumer reporting agencies ( Equifax, XXXX XXXX XXXX  ) and confirmation of correction sent to me in writing. 

Thank you for your assistance in protecting my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I believe Wells fargo owes me money. and i saw online the class action and it said to call them if you believe they owe you money and i did and the lady i spoke to XXXX in the call center said they dont handle those there and that she couldnt tell me anything.

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 2025-07-08 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: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are having a significant and ongoing negative impact on my financial stability and personal well-being. 
This situation is placing an undue burden on me during an already difficult time.

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 2025-07-08 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:
I am requesting that an investigation be opened regarding the inaccurate reporting of these accounts on my credit report. In accordance with USC 1681g, I ask that they be removed within 15 days. Enclosed are the supporting documents for your careful review. In addition, the reported account data is inconsistent across the major credit reporting agencies.

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 2025-07-08 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-08 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Since the repayment period of my income share agreement with XXXX began in XX/XX/XXXX, I have been unable to access my account because of a broken username recovery system on their website. Every attempt to retrieve my username through their reset tool consistently resulted in an error. Since XX/XX/XXXX, I submitted multiple support requests using the chat software on their website and left my email, but never received a response. 

Additionally, I called their support line several times over the course of the loan period ( XXXX ) but was never able to reach a representative until after my account had already defaulted. I was not once given notice by email or phone that my account was at risk of defaulting. I was only notified 1 week after I had defaulted ( XX/XX/XXXX ). 

I actively attempted to resolve the issue and gain access to my account prior to the reported default date ( XX/XX/XXXX ), but I received no assistance from XXXX. I was informed by a representative after the default that it was no longer possible to manage my repayment plan because the account had already been referred to a collection agency. 

I believe I was denied a fair opportunity by XXXX to manage and resolve my loan prior to default due to system failures, lack of customer service response, and improper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
Creditor : XXXX Bank XXXX Account Number ( last 4 digits ) : XXXX Date of charge-off : XX/XX/XXXX According to my credit report, the XXXX XXXX XXXX  account is being marked as a charge-off every single month, continuing well into XXXX and even XXXX long after the account was originally charged off. This repeated reporting makes it seem like the account is being newly charged off each month, which is misleading and unfairly damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), a charge-off is a one-time event. While it's legal to show that the account remains unpaid, reporting a new charge-off month after month can make it appear as though the account is continuously becoming delinquent ; which it isnt. This practice inflates the negative impact on my credit and may be considered a form of re-aging, which is not allowed under federal law. 
Because of this I am asking that this XXXX XXXX XXXXXXXX account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately.

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 2025-07-08 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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.

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting on closed accounts. 

I have several XXXX XXXX accounts that were closed around XX/XX/XXXX, and XX/XX/XXXX. However, my credit reports still show late payments and collections added in XXXX for these closed accounts, which is incorrect. 

Specifically : XXXX XXXX XXXX account closed on XX/XX/XXXX shows collections reported for XXXX and XX/XX/XXXX. 

Another XXXX XXXX account closed on XX/XX/XXXX shows late payments reported for XXXX and XX/XX/XXXX. 

A closed account should not continue to report new late payments or collections after it has been closed and should accurately reflect the status at closure. I believe this violates the Fair Credit Reporting Act ( FCRA ). 

I have disputed this with the credit bureaus but the incorrect information remains. I am requesting that the CFPB help resolve this by requiring the company to correct or remove these inaccurate negative items from my credit reports.

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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: NY

Complaint narrative:
Credit control and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  MO XXXX. Phone # XXXX. XXXXThey sent me a letter in the mail today for the first time. I agree I owe the debt, but in the privacy statement it said they are sharing my personal information with 16 other resurgent companies. This information includes my social security number, full name, address and my assets. The letter is dated XX/XX/year>. They are giving out enough information for someone to easily steal my identity. Privacy laws : The Gramm-Leach-Bliley Act ( GLBA ) and the Fair Debt Collection Practices Act ( FDCPA ) aim to protect consumer financial privacy. GLBA requires financial institutions ( which can include debt collectors ) to safeguard sensitive customer data, including SSNs. FCRA regulates information sharing between affiliates and non-affiliates, sometimes requiring an " opt-out '' opportunity before sharing certain types of information with affiliates.

Third-party disclosure : Sharing someone's personal information, like an SSN, with a third party without their permission can be considered a deceptive practice and a violation of the FDCPA.

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 2025-07-08 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: MN

Complaint narrative:
Dear CFPB Officer, I am filing this complaint to request immediate deletion of several inaccurately reported and legally noncompliant late payments from my Experian credit file. These derogatory entries, reflected on accounts from XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  and others, are negatively impacting my creditworthiness and were reported without meeting federal legal standards for accuracy, validation, and due process. 

Accounts With Late Payment History ( from Experian report ) : XXXX XXXX. Multiple XXXX lates in XXXX ( Account XXXX. XXXX & XXXX ) XXXX XXXX 30 & 60-day lates in XXXX, XXXX, and XX/XX/XXXX XXXX XXXXXXXX XXXX 30-day late in XX/XX/XXXX XXXX XXXX XXXX late XXXX XX/XX/XXXX These entries constitute inaccurate and unverifiable reporting in violation of my rights under 15 U.S. Code 1681i, 1681s-2, and 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

Violations Identified : 15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy in reporting.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus must reinvestigate disputed information within 30 days.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) ( 1 ) After notice of a dispute, furnishers must verify, correct, or delete the disputed data.

I have not received any valid documentation, timestamps, account notes, or internal audits to prove these late payments are accurate, complete, or fairly reported. Absent legally sufficient validation, reporting any late mark constitutes a willful violation of my federally protected rights.

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 2025-07-08 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: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I was trying to buy a house and notice some incorrect data being reported on my credit report and this was damaging to my character and according to the law this is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: T.S. Holdings
State: NV

Complaint narrative:
I was trying to buy a house and notice some incorrect data being reported on my credit report and this was damaging to my character and according to the law this is unlawful.

Company response to consumer: Closed with explanation