vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Creditors Addresses : XXXX XXXX XXXX, XXXX, MN XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me.

I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-11-06 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
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 explanation
Consumer complaint received 2025-11-06 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 a consumer who is working to repair my credit. Below are the accounts in dispute with TransUnion. I ask that you review these accounts for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). If the information can not be verified, I request that these accounts be removed from my credit report. 

CHARGED OFF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-06 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:
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 2025-11-06 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Someone tried to open an account using my information, Barclays Bank Delaware. I contacted the bank so that they can remove the inquiry from my credit and but a fraud on the application. They know the application is fake. They put the application on the fraud, but they will not have my hard inquiry removed on my credit.

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 2025-11-06 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I overpaid {$8000.00} to Wells Fargo Visa, I hope they will refund the money to me. I have been contacted their customer service since many times. XX/XX/XXXX,, the first time they said it would take a 10 business days, and then 2 more days with various excuses, but still havent refunded it, This money was a loan from another XXXX XXXX XXXX and a friend. I really need to pay the interest! The well Fargo being greedy and arbitrary! I must be paying {$39.00} if I late pay a bill one day

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 2025-11-06 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunnova Energy Corporation
State: NJ

Complaint narrative:
I have been making payments to Sunnova XXXX company for leased solar panels. They reported that 150 days worth of payments were not made starting XX/XX/year>, however the money was removed from my account. They even sent an email confirming that they did receive a payment for the total amount of {$780.00}. Yet it is still being reflected as unpaid on my credit report. 
I recently learned that Sunnova has transferred to XXXX and in this transfer the payments are not being accurately reflected.There are no missed payments and Sunnova needs to show the accurate records.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 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 submitting this dispute as a consumer seeking to rectify inaccuracies on my credit report. I respectfully request that the following accounts be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Below are the details for each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$790.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$390.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$950.00} XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$750.00} XXXX/XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Late Payments XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX/XXXX  Account Number : 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 2025-11-06 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: MS

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a closed/charged-off credit card account from XXXX XXXX XXXX. The account was charged off in XXXX, and there has been no activity since XXXX, yet XXXX XXXX is still reporting the account to the credit bureaus as : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' This is factually inaccurate, because a charged-off account can not be open or revolving. Reporting it as open inflates my utilization and misrepresenting my current credit capacity, which is misleading and harmful. This violates FCRA 1681e ( b ) ( accuracy and completeness ) and FCRA 1681s-2 ( a ) ( duty to furnishers to report correct information ). Under Metro 2 reporting guidelines, a charged-off account must be coded as Closed, Charged off, or no active credit limit. I have mailed a Direct Furnisher Dispute under FCRA 1681s-2 ( a ) and am requesting CFPB oversight to ensure proper correction. Additionally, this account is being reported as " XXXX XXXX '' month after month for over 18 months, despite there being no activity, no payments, and no contractual credit line since XXXX. This constitutes illegal re-aging, misrepresents the date of the last activity, and is a violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ), FCRA 1681c ( a ) ( 4 ) & ( 5 ), CFPB Regulation F- furnishing accuracy guidance, and Metro 2 Reporting Guidelines ( Field : Account Status Freeze ). The " XXXX '' status is required to be reported only once, on the date of charge-off, then the status must be frozen. Your current reporting is inaccurate and misleading, and has the effect of artificially depressing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a closed/charged-off credit card account from XXXX XXXX XXXX. The account was charged off in XXXX, and there has been no activity since XXXX, yet XXXX XXXX is still reporting the account to the credit bureaus as : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' This is factually inaccurate, because a charged-off account can not be open or revolving. Reporting it as open inflates my utilization and misrepresenting my current credit capacity, which is misleading and harmful. This violates FCRA 1681e ( b ) ( accuracy and completeness ) and FCRA 1681s-2 ( a ) ( duty to furnishers to report correct information ). Under Metro 2 reporting guidelines, a charged-off account must be coded as Closed, Charged off, or no active credit limit. I have mailed a Direct Furnisher Dispute under FCRA 1681s-2 ( a ) and am requesting CFPB oversight to ensure proper correction. Additionally, this account is being reported as " XXXX XXXX '' month after month for over 18 months, despite there being no activity, no payments, and no contractual credit line since XXXX. This constitutes illegal re-aging, misrepresents the date of the last activity, and is a violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ), FCRA 1681c ( a ) ( 4 ) & ( 5 ), CFPB Regulation F- furnishing accuracy guidance, and Metro 2 Reporting Guidelines ( Field : Account Status Freeze ). The " XXXX '' status is required to be reported only once, on the date of charge-off, then the status must be frozen. Your current reporting is inaccurate and misleading, and has the effect of artificially depressing my credit score.

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 2025-11-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: CA

Complaint narrative:
I opened an account. They let me spend {$1000.00} then froze my account to verify my id after using the account for three days. After I verified my id the re opened my account and I spent another {$1000.00}. Then they closed my account and said they would send me a check in the next 20 days. This money was my workers compensation backpay that I was living on. And I told that to XXXXXXXX XXXX XXXX when I cashed my checks and was told I could put my money in this account and that it would be safe. Now I have no money to live on fir the next 20 days with no explanation other then it could have been closed due to not being able to verify my id which I had just done or because of suspicious activity. I only pulled money out of atms I dont see how that could have been suspicious activity. The account was a flair account through net spend and the check cashing place was XXXX XXXX XXXX  which said there was nothing they could do.

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 2025-11-06 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: TX

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation