vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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 am writing to formally dispute the reporting of my XXXX XXXX XXXX account ending in XXXX. The account, with a balance of {$120.00}, was opened on XX/XX/XXXX, with the last payment made on XX/XX/XXXX. Upon review of my credit file, I noted that this account is not reported on your bureaus records, despite being present on other major credit reporting agencies. This omission constitutes incomplete and inaccurate reporting, which misrepresents my full credit history and violates my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires furnishers to implement procedures to ensure maximum possible accuracy, and FCRA 611 ( a ) ( 5 ) ( A ), which grants me the right to dispute incomplete or inaccurate information. The absence of this account creates inconsistencies between my credit reports and may negatively impact my creditworthiness in the evaluation by potential lenders. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know, or should reasonably know, to be inaccurate. By failing to report this account, your bureau is providing an incomplete representation of my credit history. I am requesting a thorough reinvestigation of this account with the original creditor and all available documentation to ensure my report accurately reflects the accounts existence, payment history, and current balance. Moreover, incomplete reporting can lead to erroneous decisions about my creditworthiness. Pursuant to FCRA 611 ( a ) ( 2 ) ( B ), I request that you conduct a detailed reinvestigation and promptly update or correct my file if the account information can not be verified. I also request written confirmation of the reinvestigation results, including the methods used to verify the account, and an updated credit report reflecting the accurate information. Accurate and complete reporting is vital to maintain the integrity of my credit profile and to comply fully with 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 2025-11-21 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: NY

Complaint narrative:
I am filing this complaint to report ongoing inaccuracies and misleading information on my credit reports with Experian, Equifax, and TransUnion, despite multiple prior disputes and verification requests. These inaccuracies continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, all three bureaus continue to report outdated and incorrect addresses that have not been associated with me for years, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, despite my current and only valid address being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Furthermore, I am disputing the continued reporting of accounts with XXXX balances, labeled as Included in Bankruptcy or Unrated, such as XXXX XXXX XXXX ( Acct. XXXX ), XXXX XXXX ( Acct. XXXX ), and others, despite these accounts having no remaining debt. These erroneous notations cause misleading double penalties and misrepresent my financial standing. Under FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), I am entitled to accurate, verifiable information, and I have requested multiple times for these items to be deleted. While Equifax has made some progress by removing certain inaccurate data, Experian and TransUnion have failed to take similar corrective action, resulting in inconsistent reporting across the three bureaus. This discrepancy is causing significant harm to my creditworthiness and violates FCRA requirements for fair and accurate 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding several derogatory marks and collection accounts that have been reported on my credit file. I want to express not only the factual issues but also the personal hardship these negative entries have caused me. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I understand that I have the right to fair, accurate, and verifiable reporting of information on my credit report. I believe some of the entries listed are either incomplete, inaccurate, or do not meet the standard of proper verification. 

I have been facing serious financial difficulties that have made it impossible for me to keep up with these debts. I am not trying to avoid my responsibilities, but life circumstances have placed me in a position where I simply can not pay these balances at this time. These derogatory marks are now preventing me from moving forwardaffecting my ability to secure stable housing, reliable transportation, and basic financial opportunities. 

I am kindly requesting that the CFPB review my situation and assist in ensuring that the information reported about me is fully compliant with the requirements of the FCRA, including accuracy, completeness, and proper verification. I also ask for your help in ensuring that the creditors or collection agencies involved can provide documented proof that the debts are valid and being reported correctly as required by law. 

Im not just a file number or a credit report entryIm a person trying to rebuild and regain stability. These negative marks are weighing heavily on my ability to do that. Any assistance, investigation, or intervention your office can offer would mean a great deal to me.

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 2025-11-21 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
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 4 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 completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
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 4 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 completeandaccurate.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo because I was getting a XXXX check from my retirement account, XXXX XXXX XXXX. I moved to XXXX XXXX and no Wells Fargo branches exist here. I was told to mail the check to their Deposit by mail location in XXXX XXXX XXXX. I mailed the check and the post office said it was delivered on XX/XX/XXXX. On XX/XX/XXXX I called to see what the hold up was on my check and was told they never received it and to give them XXXX business days to investigate. I called a few more times checking to see if they found it and was always told they didnt get it. On XX/XX/XXXX, I called XXXX XXXX XXXX and had them stop payment and resend the check. I also received the check back from Wells Fargo in the mail, with a vague letter stating I had to take it to a branch to deposit it. When I received the new check, XXXX XXXX XXXX hours to a branch in XXXX to deposit on XX/XX/XXXX. I was told that some of the funds would be available on XX/XX/XXXX and the rest on XX/XX/XXXX. On XX/XX/XXXX I received a message from Wells Fargo that the entire check would be available on XX/XX/XXXX. Then on XX/XX/XXXX, I received a message from Wells Fargo that they were holding the funds until XX/XX/XXXX and to refer to maker. I was told by a supervisor of Wells Fargo was because the ink of the check numbers was running. I called XXXX XXXX XXXX and was told that all they had to do was call and they would verify the funds. I called Wells Fargo, attempting to see if they would call and they said they dont do that.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
am currently experiencing a loss of employment and am unable to make any payments at this time. I previously attempted to negotiate a payment plan but was unsuccessful. As I explained before, I am dealing with significant financial hardship and ongoing stress related to my job loss. Despite informing your representatives that I would reach out once I am in a position to resume payments or establish a new payment arrangement, I continue to receive repeated calls and voicemails requesting payment. 

These ongoing contacts feel excessive and harassing, especially considering that I have already communicated my circumstances and my intention to reconnect when my financial situation stabilizes. I am asking that all non-essential collection calls stop while I am experiencing this hardship. I will contact you directly as soon as I am able to discuss and arrange a feasible payment plan. 

Thank you for your patience and understanding during this 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 2025-11-21 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: CT

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX XXXX XXXX account ending in XXXX. The account, with a balance of {$120.00}, was opened on XX/XX/XXXX, with the last payment made on XX/XX/XXXX. Upon review of my credit file, I noted that this account is not reported on your bureaus records, despite being present on other major credit reporting agencies. This omission constitutes incomplete and inaccurate reporting, which misrepresents my full credit history and violates my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires furnishers to implement procedures to ensure maximum possible accuracy, and FCRA 611 ( a ) ( 5 ) ( A ), which grants me the right to dispute incomplete or inaccurate information. The absence of this account creates inconsistencies between my credit reports and may negatively impact my creditworthiness in the evaluation by potential lenders. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know, or should reasonably know, to be inaccurate. By failing to report this account, your bureau is providing an incomplete representation of my credit history. I am requesting a thorough reinvestigation of this account with the original creditor and all available documentation to ensure my report accurately reflects the accounts existence, payment history, and current balance. Moreover, incomplete reporting can lead to erroneous decisions about my creditworthiness. Pursuant to FCRA 611 ( a ) ( 2 ) ( B ), I request that you conduct a detailed reinvestigation and promptly update or correct my file if the account information can not be verified. I also request written confirmation of the reinvestigation results, including the methods used to verify the account, and an updated credit report reflecting the accurate information. Accurate and complete reporting is vital to maintain the integrity of my credit profile and to comply fully with 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 non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and the listed furnishers for reporting multiple inaccurate addresses and false late payment information on my consumer credit file. These errors are causing significant harm to my credit standing and violate the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 611. 

XXXX. INCORRECT / UNKNOWN ADDRESSES REPORTED The following addresses DO NOT belong to me and must be removed immediately as they are incorrect and fraudulent : 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 Wrong Address These addresses are appearing without my authorization and violate FCRA requirements regarding accurate and verifiable consumer information. 

XXXX. FALSE LATE PAYMENT REPORTING The following accounts are reporting late payments, which are absolutely inaccurate. I have never been late on these accounts, and the reporting furnishers have failed to provide proof of delinquency. 

Late Payment Accounts ( Require FULL Investigation & Correction ) : 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 Multiple accounts All reporting {$0.00} balance All showing false late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 611, the furnishers must verify the accuracy of each late payment. If they can not provide complete documentation of delinquency with timestamps and payment history, these late payments must be deleted immediately for failure to verify.

3. REQUEST FOR ACTION I am requesting the following : A. Remove all inaccurate addresses These addresses are not mine and must be deleted under FCRA 607 ( B ).

B. Conduct a full investigation of all late payment entries Furnishers must provide original documents, not system notes, showing the alleged late payments.

C. Delete all unverifiable late payments Per FCRA, if an item can not be 100 % verified, it must be removed.

4. HARM CAUSED These inaccurate entries have caused : Denial of credit Lower credit score Emotional distress Unfair negative reporting I am demanding a full investigation and written confirmation of the results. 

XXXX. ATTACHED My ID & proof of address Screenshot/printout of inaccurate credit report items Thank you for your immediate attention. I expect full compliance within the FCRA-required timeline of 30 days.

Company response to consumer: Closed with non-monetary relief