vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-06 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: RI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
I am filing this formal complaint against Equifax for continuing to report an account from XXXX XXXX XXXX that is inaccurate, unverifiable, and damaging to my credit profile. 

I have disputed this account multiple times, and despite clear evidence of inaccuracy, Equifax has refused to delete it. Whats especially concerning is that both XXXX and XXXX  have already permanently deleted this exact account from my credit reports after their reinvestigations confirming that it lacks sufficient verification or legal basis to be reported. 

Equifax is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires a consumer reporting agency to conduct a reasonable reinvestigation when a consumer disputes information. Furthermore, under FCRA 1681e ( b ), Equifax has a duty to ensure the maximum possible accuracy of the data it reports and this account does not meet that standard.

The continued reporting of this account has caused me measurable harm including : Denials for credit Increased interest rates Emotional distress I have already given Equifax ample opportunity to correct this matter through its internal dispute process. I am now left with no choice but to escalate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Ive contacted Experien regarding a delinquent account which reflects negatively on my credit report. Ive explained that account is not mine and have no idea how it got linked to me. It appears to be a defaulted debt of $ XXXX. I have never in my life not paid anything Ive owed, so theres no way this is mine. I also see on the credit report a number of addresses that are also not mine as I have resided at my present address for 30+ years.Experien responded saying they reached out to the account issuer and they were told it came back to me and no change would be made. Thank you for any help you can provide in 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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/year> {$7300.00} was wired from Wells Fargo saving account. Was not started or approved by me. Old accounts frozen/closed. New accounts were opened ; new debit card and checks were ordered. Will take 10 business days to process/investigate. 
XX/XX/year> later day I received {$6400.00} back into new savings account. 
XX/XX/year> Received letter on XX/XX/year> investigation is completed will not receive any more money including a {$25.00} wire fee for a total of {$820.00} that I will not get. 
Went to branch WF bank and called claims assistance center XXXX. Claimed is closed!!

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 2025-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Company reporting invalid information. I would like for items to be delete from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
Company reporting invalid information. I would like for items to be delete from my record.

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 2025-08-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I had lost my job on XX/XX/XXXX and greatly reduced income. I filed for a forbearance around XX/XX/XXXX in which was approved by Mr. Cooper. Throughout the forbearance process I would check in to see how things were. I was told multiple times that I could defer the payments of the forbearance by several employees up to 12 months past due. I was able to obtain a job on XX/XX/XXXX but it was half of what I was making before. I called on XX/XX/XXXX ready to resume payments and requesting a deferral, in which the employee told me that I should call back in XX/XX/XXXX to fill out the 12 months required for a deferral. I did as the employee said and called back XX/XX/XXXX, in which I was now notified that I could not have a deferral due to it being past 6 months. The prior employees gave me incorrect information and when I would call back, I would get completely different information. I have requested a manager to speak to in which the manager stated that they tried to contact me several times and could not. I then spoke to a manager who set me up with a loan modification. I was approved for this loan modification. However, the manager advised me that since I have a pending claim with HAF that I should drop the loan modification and wait for a response or I would risk losing the help from them. She also stated that I could always get the loan modification back. I did as the manager said as I thought they were looking out for my best interest, but I was wrong. The approval for HAF is still pending and could take months to hear back. I then proceeded to apply for the loan modification on XX/XX/XXXX. I was denied the same month and received a phone call on XX/XX/XXXX that my house would be sold if I could not pay off the total amount of XXXX owed on the account. They did not offer me any other help or alternative. This is not fair as I was given incorrect information by the staff at Mr. Cooper, which led me to this situation in the first place. Mr Cooper set me up for failure and that is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-06 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: VA

Complaint narrative:
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 Credit Reporting / Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Inaccurate Late Payment Reporting Demand for Removal To Whom It May Concern : I am submitting this formal dispute regarding inaccurate reporting of a late payment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite fulfilling my payment obligations on time, your company has reported my account as delinquent, which is false and damaging to my credit profile. 

This action violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that is inaccurate or incomplete.

15 U.S. Code 1681s-2 ( b ) requires that a furnisher, upon receiving notice of a dispute, must investigate and correct any inaccuracies.

I am demanding that you : 1. Conduct a full investigation into this matter.

2. Remove all inaccurate late payment entries from my credit file at Experian, XXXX XXXX XXXX

3. Provide written confirmation once the deletion has been completed.

You are hereby given 15 calendar days from the date of this letter to correct this matter. If no resolution is made, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. I also reserve my right to pursue legal action under 15 U.S. Code 1681n for willful noncompliance.

Attached are payment records supporting my claim. This is an official dispute under the FCRA. 

I expect a timely resolution and appreciate your prompt attention. 

Respectfully, 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 2025-08-06 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: VA

Complaint narrative:
XXXXXXXX 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 Credit Reporting / Legal Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Also To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Inaccurate Late Payment Reporting Demand for Removal To Whom It May Concern : I am submitting this formal dispute regarding inaccurate reporting of a late payment by XXXX XXXX XXXX XXXX XXXX XXXX ). Despite fulfilling my payment obligations on time, your company has reported my account as delinquent, which is false and damaging to my credit profile. 

This action violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that is inaccurate or incomplete.

15 U.S. Code 1681s-2 ( b ) requires that a furnisher, upon receiving notice of a dispute, must investigate and correct any inaccuracies.

I am demanding that you : 1. Conduct a full investigation into this matter. 
2. Remove all inaccurate late payment entries from my credit file at XXXX Equifax, and XXXX 
3. Provide written confirmation once the deletion has been completed.

You are hereby given 15 calendar days from the date of this letter to correct this matter. If no resolution is made, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. I also reserve my right to pursue legal action under 15 U.S. Code 1681n for willful noncompliance.

Attached are payment records supporting my claim. This is an official dispute under the FCRA. 

I expect a timely resolution and appreciate your prompt attention. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I paid an application fee to apply to this apartment complex. They claimed that they couldn't run my credit because my credit was frozen. 

I proceeded to unfreeze my credit. However, the company claimed that they still couldn't run my credit even though I unfroze it. 

The company told me each day for 3 days that the credit check was still running and that I had to wait. After 3 days, they said too much time had passed and that I would need to pay another {$200.00} to reapply. 

They never told me if I got approved or denied, they just said it " failed '' and wasn't able to run for some reason. I told them its not my fault that your system doesn't work but they refused to give me my money back. 

I searched this apartment on XXXX and found that they have done this to others as well. 

I then filed a dispute with Wells Fargo, but they denied my claim because they claim they are not authorized to reverse checking account transactions.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following accounts and inquiries are being reported incorrectly. Please remove any unknown and inaccurate information and also update late payment to paid as agreed. Thank you also XXXX XXXX is a reinsertion and is illegal

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 2025-08-06 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: FL

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
According to 15 USC 6802, financial institutions are prohibited from disclosing my personal information without my consent. Additionally, under 15 USC 1666, 15 USC 1666b, and 12 CFR 1026.13, I am protected under federal law in the case of billing errors, including the incorrect reporting of late payments. I am formally disputing the late payment marked on my student loan by the XXXX XXXX XXXXXXXX XXXX as it qualifies as a billing error. I request that this account be thoroughly investigated and that the inaccurate late payment be removed from my credit file. Please provide verification of the alleged delinquency or delete the derogatory remark in compliance with the Fair Credit Billing Act and 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 non-monetary relief
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
According to 15 USC 6802, financial institutions are prohibited from disclosing my personal information without my consent. Additionally, under 15 USC 1666, 15 USC 1666b, and 12 CFR 1026.13, I am protected under federal law in the case of billing errors, including the incorrect reporting of late payments. I am formally disputing the late payment marked on my student loan by the XXXX XXXX XXXXXXXX XXXX as it qualifies as a billing error. I request that this account be thoroughly investigated and that the inaccurate late payment be removed from my credit file. Please provide verification of the alleged delinquency or delete the derogatory remark in compliance with the Fair Credit Billing Act and 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