vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) Had a charged to the XXXX  card that I did not authorize. Then late payment charges. 
( Did not notice I had an payment or late charges, because the charge was not authorized, and only noticed when it XXXX  impacted my XXXX XXXX ) After the none authorized charge XXXX  impacted my XXXX XXXX and notifying the company of the unauthorized charge, the company removed charged and late payment charges, but did not remove/correct the credit bureau XXXX XXXX. Have phone recordings from different employees from XXXX XXXX XXXX ( including : XXXX, XXXX, XXXX, and their XXXX XXXX XXXX XXXX XXXX XXXX company stating they will fix it on the credit bureau XXXX XXXX days, but will not send documentation that this will be fixed on my credit file.

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 2025-06-17 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: VA

Complaint narrative:
The accounts listed in this complaint are the result of a data breach. After submitting the proper dispute documentation and an FTC Identity Theft Report, these accounts were deleted by XXXX. However, despite being provided the same documentation, Equifax, Experian, and TransUnion have not deleted the accounts and have failed to provide any validation or response.

This dispute was originally submitted more than 4 business days ago through each bureaus portal. According to the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or deleted within 4 business days once proper documentation is submitted. The
inaction of these credit bureaus is a clear violation of 15 U.S.C. 1681i failure to reinvestigate disputed information 15 U.S.C. 1681s-2 continued furnishing of inaccurate or unverifiable data I have attached the formal dispute letter, a copy of the XXXX credit report showing the removed accounts, and a valid government-issued ID for XXXX XXXX as supporting documentation .

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 2025-06-17 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: EdFinancial Services
State: GA

Complaint narrative:
am filing a complaint concerning the unauthorized disclosure of my education records by ED Financial Services, in violation of the Family Educational Rights and Privacy Act ( FERPA ), codified at XXXX U.S. CXXXX XXXXg and implemented under XXXX XXXX Part XXXX. 
As a student loan borrower, my education records, which include my student loan information, are protected under FERPA. Under FERPA, educational institutions and their agents are prohibited from disclosing personally identifiable information from education records without the written consent of the student, except under specific circumstances outlined in the law. 
I have not provided written consent for the disclosure of my education records to ED Financial Services or any other third party. Despite this, my student loan information has been reported to credit bureaus and is reflected in my credit file. 
This unauthorized disclosure constitutes a violation of my rights under FERPA. I have previously attempted to resolve this issue directly with ED Financial Services on XX/XX/XXXX, but have not received a satisfactory response. Therefore, I am seeking assistance from the CFPB to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: NC

Complaint narrative:
I enrolled in Kovos service specifically to build credit. Instead, they reported multiple late payments that severely damaged my scoredespite the account being paid in full. 

Kovos entire marketing pitch is to help people improve their credit, but they are actively doing the opposite. Whats worse, I previously requested these lates be removed, and they complied. But they re-reported them after I finished paying. 

I have made multiple requests for goodwill removal, especially since the account is closed and paid, but they refuseeven though they previously adjusted it. This feels like a bait-and-switch, and their reporting practices are deceptive, inconsistent, and harmful to consumers. 

I am requesting the full removal of these derogatory marks from my credit report due to the nature of the service, prior precedent, and the misleading way Kovo portrays itself as a credit improvement tool.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
a 30-day late payment was incorrectly reported on mXXXX XXXX XXXX XXXXXXXX credit card account. I discovered the error while reviewing my credit reports. XXXX  has since completed an investigation and corrected the record, confirming there was no late payment. However, Experian continue to report the inaccurate late payment, despite multiple requests for correction and the supporting documentation I provided, including a screenshot of XXXX update. I formally disputed the inaccuracy with both companies, referencing my rights under the Fair Credit Reporting Act ( FCRA ), but they have failed to make the necessary correction. Im requesting that the inaccurate information be removed to reflect an accurate payment history consistent with XXXX 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 2025-06-17 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely XXXX  my credit file and hindering my ability to live a normal life. The XXXX  effects of these inaccuracies have caused immense XXXX  for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my XXXXXXXX XXXX. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
reporting a debt for which you have not provided any validation, as required by 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act. 

under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), data furnishers like yourself are legally required to report only accurate and verifiable information. You are a third-party debt buyer and have failed to produce a legally binding contract nor any documentation that proves a valid chain of assignment of the alleged debt. 

Until such documentation is provided, you are in violation of FCRA 1681s-2 ( b ) and must cease reporting. Your continued reporting without substantiation is willful noncompliance and subject to legal penalties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
The accounts listed on my report are fraudulent and were not opened by me. I am demanding their deletion within 15 days as outlined in 15 U.S. Code 1681g. I have attached the necessary documents to verify my claim and identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: DC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-06-17 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: DC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-06-17 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: TN

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-17 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfXXXX XXXX XXXX  is involved. XXXX disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been XXXX  and feels unprofessional. 
This situation has caused XXXX XXXX XXXX XXXX. Please review the documents Ive provided and take immediate action to resolve the 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 2025-06-17 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Warning to Remove Incorrect Items from my Credit Report REFERENCE Confirmation 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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Formal Complaint Regarding Billing Cycle Error and Improper Interest Charges by Wells Fargo Credit Card Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo Bank , N.A . regarding a billing cycle error on my credit card account that has resulted in improper interest charges and a negative account status, despite my consistent on-time payments. 

Background : I have used my Wells Fargo credit card for the past year, primarily to pay my monthly rent. Each month, I charge my rent and pay the balance in full and on time. I have never missed a payment or carried a revolving balance. 

In XX/XX/year>, a billing cycle error occurred : My XXXX rent was charged on XX/XX/year> My XXXX rent was charged on XX/XX/year> The statement closing date was XX/XX/year> Because both rent charges fell within the same billing cycle, the statement reflected a total balance of XXXX  XXXX my typical monthly amount of approximately {$4200.00}. 

I made my standard monthly payment of {$4200.00}. Despite this, Wells Fargo marked my account as past due and began assessing interest on the remaining balance. While a {$92.00} interest charge was initially waived as a goodwill gesture, I was told interest would continue to accrue unless I paid the entire doubled balancean unfair expectation based solely on how the dates fell in the billing cycle.

My Attempts to Resolve the Issue : I contacted Wells Fargo multiple times to explain the situation and request a correction. Representatives acknowledged the nature of the error but indicated there was no way to adjust the account due to system limitations. I was advised to pay in full to avoid further interest, despite the fact that the overlapping charges were caused by the calendar, not by any action or inaction on my part.

Why This Is Unfair : Wells Fargos refusal to correct this issue penalizes responsible cardholders and effectively charges interest on a non-delinquent account. Their system is inflexible in a way that harms consumers who follow the rules.

I am requesting the CFPBs assistance to compel Wells Fargo to : Reverse all interest charges resulting from this billing cycle overlap Adjust the account balance and history to reflect my consistent on-time payments and eliminate the past due designation Review its billing cycle practices to ensure that overlapping charges do not unfairly penalize consumers This situation has caused me financial harm, significant time loss, and emotional distress. It is unacceptable that a consumer should be penalized for making on-time payments simply due to how dates fall on the calendar. 

Thank you for your attention to 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB

complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) th
at you, the XXXX  credit reporting agency, 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 Address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

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