vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oliphant United, Inc.
State: VA

Complaint narrative:
Oliphant calls my phone 2 times a day almost every day. Its beginning to be insane. They call at different times through the day. They call from different numbers but its the same company. I block a number and they just use a different number

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

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am writing to explain the circumstances regarding three collection accounts reported on my credit report by Jefferson Capital System.

I was completely unaware of these debts prior to seeing them listed on my credit report. At no point was I contacted by Jefferson Capital System or any original creditor regarding these accounts. I never received any bills, notices, or communications informing me of outstanding balances related to these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX ( via XXXX XXXX ) Re : Complaint Against Wells Fargo Bank , N.A . for Inaccurate Credit Reporting on Account # XXXX Dear CFPB : I am filing a complaint against Wells Fargo Bank , N.A . for furnishing inaccurate, incomplete, and misleading information on my account # XXXX, as reported on my XXXX  credit report dated XX/XX/XXXX, and potentially to XXXX  and XXXX. Despite over XXXX disputes since XXXX, Wells Fargo has failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ) and Florida Consumer Collection Practices Act ( FCCPA ). 

Inaccuracies include : - Date of First Delinquency ( DOFD ) listed as XX/XX/XXXX, but an on-time payment reported for XX/XX/XXXX, which is contradictory. 

- No 30-day, 150-day, or 180-day late reported, skipping required delinquency progression per XXXX guidelines. 

- " No data available '' reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, creating an incomplete history. 

- Charge-off reported every month from XX/XX/XXXX through XX/XX/XXXX, improper as charge-off status should be fixed unless updated. 

- Date of last payment reported as XX/XX/XXXX in records, but the credit report shows a payment after that date, conflicting with DOFD. 

These errors have caused significant harm : a XXXX FICO score, multiple credit denials, higher interest rates, $ XXXX in mitigation costs ( e.g., credit monitoring ), and emotional distress ( anxiety, sleep loss ). Wells Fargos failure to investigate or correct these verifiable inaccuracies violates FCRA 611, 623 and FCCPA 559.72. 

I demand Wells Fargo investigate, delete this unverifiable tradeline from all CRAs ( XXXX, Equifax, TransUnion ), and provide documentation ( e.g., account statements, payment ledgers ) to substantiate their reporting. I am mailing a detailed dispute to Wells Fargo via certified mail on XX/XX/XXXX. Please ensure Wells Fargo complies promptly to mitigate further harm. 

Attachments ( via portal ) : Drivers license, social security card, proof of address, relevant Experian credit report pages.

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 2025-08-08 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: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
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 damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships 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 may regain control over my financial well-being. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
Exeter Finance is inaccurately reporting an automobile loan as a charge-off with a remaining balance of {$13000.00}. The account shows multiple late payments and derogatory remarks that do not accurately reflect my payment history. 

Several of the reported late months were actually paid on time or within the contractual grace period. Additionally, the balance appears inflated due to excessive and improperly calculated interest and fees that were not clearly disclosed in my original contract. 

The reported dates of first delinquency and charge-off do not match my records, which may constitute re-aging of the account in violation of the Fair Credit Reporting Act. Exeter Finance also failed to provide proper written notice of the charge-off before reporting this severe negative mark to the credit bureaus. 

This incorrect reporting is causing immediate and ongoing harm to my creditworthiness, impacting my ability to secure reliable transportation and other forms of credit. 

I request that this tradeline be removed from all credit bureaus unless Exeter Finance can provide original signed documentation and a fully accurate accounting that supports every detail they are reporting. I am asking the CFPB to require Exeter Finance to investigate and correct or delete this account immediately.

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

Complaint narrative:
XXXX XXXX XXXX XXXXTo Whom It May Concern,\n\nThis letter serves as a formal Cease and Desist demand regarding the account listed below:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (with XXXXXXXX  past due as of XXXX XXXXThis account is being reported inaccurately and without my authorization or valid documentation. I have no contractual obligation to this account, and I demand the following actions be taken immediatelXXXXCease all communication with me regarding this matter, effective immediately.\n\t2.\tDelete and permanently remove all reporting of this account from all credit reporting agencies XXXX XXXX  and TransUnion).\n\nThis is a direct and final request. You are hereby notified that continued communication of any kind  phone calls, letters, emails, or third-party contact  will be considered harassment and a violation of my rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).\n\nShould you fail to comply with this cease and desist or continue to report this account, I will not hesitate to take legal action and file formal complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my State Attorney Generals Office.\n\nYou are legally obligated to investigate and correct inaccurate information under 15 U.S. Code  1681i and  1681s-2(b). Failure to do so may result in civil liability.\n\nThis letter is being sent via certified mail and should be retained for your records. No further communication is warranted or permitted beyond confirmation that this account has been deleted and your records updated accordingly.'

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report is required to contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I identified certain credit inquiries and accounts that I did not authorize, initiate, or open. These items do not belong to me, and I have no knowledge of any applications or agreements connected to them. They appear to be the result of errors, identity theft, or fraudulent activity. I request that these unauthorized inquiries and accounts be investigated, verified, and removed from my credit file in accordance with the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : BANK OF AMERICA # XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXX A 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 2025-08-07 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:
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 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 2025-08-08 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: MS

Complaint narrative:
b'I am filing this complaint against Equifax for multiple violations of my consumer rights under the Fair Credit Reporting Act (FCRA) and related federal laws. I have discovered numerous inaccurate, outdated, and unverified items being reported on my credit file, which Equifax has failed to correct despite my previous disputes. These errors are causing me serious financial harm, including credit denials and higher interest ratesXXXX  Wrong Addresses Being RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  addresses are not my current residence, nor have they been my residence during the reporting periods. According to FCRA Section 604(a)(2) & 607(b), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Keeping outdated or incorrect addresses in my file creates confusion and the risk of mixed credit files, especially when linked to accounts that are not mine or are inaccurateXXXX Unverified Charge-Off AccountsXXXX 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 XXXXThese accounts are being reported as charge-offs despite showing a $0 balance, which is inconsistent and misleading to creditors. Under FCRA Section 607(b), Equifax must ensure accuracy, and under FCRA Section 611, they must properly investigate disputed items. Reporting a $0 balance while maintaining a charge-off status implies a derogatory condition that may no longer exist. This misrepresentation is damaging my creditworthinessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not authorize these inquiries, nor did I initiate credit applications with these entities on the stated dates. Under FCRA Section 604(a), credit bureaus may only furnish reports for permissible purposes. These inquiries were conducted without my knowledge or consent and constitute an impermissible pull of my credit file.\XXXX Harm and Damages\nBecause of Equifaxs failure to maintain accurate records, I have XXXX  for credit applicationsXXXX interest rates on loansXXXX distress from ongoing credit issues.\n\nLoss of financial opportunities due to artificially lowered credit scores.XXXX Requested XXXX am requesting that EquifaxXXXX delete all wrong addresses from my credit XXXX all unverified charge-off accounts that show a $0 balance but are still listed as XXXX all unauthorized hard inquiries from my XXXX a written statement confirming these correctionsXXXX failure to address these issues in previous disputes constitutes willful and negligent noncompliance under FCRA Sections 616 & 617. I am prepared to escalate this matter further if these errors are not promptly corrected.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
On XX/XX/year> I submitted a CFPB complaint against XXXX XXXX XXXX  a debt collection agency who is hired to collect outstanding medical debt. In this a complaint I specifically stated that medical debts are not supposed to be furnished on credit reports and following that issued a direct 'cease and desist ' to XXXX XXXX XXXX XXXX . The issue of the matter lies with XXXX XXXX XXXX XXXX XXXX  behavior in response to my complaint. In or around XX/XX/year>, XXXX XXXX XXXX side stepped my legal assertion of ceasing collection activities, a statute that is legally allowed to be enforced under section XXXX ( c ) - ceasing communications under the FDCPA. XXXX XXXX XXXX XXXX insistingly stated that it would collect the purported debts owed and provided me an address in case I wanted to dispute account inaccuracies violating the Fair Debt Collection Practices Act as a result. There was no acknowledgement of the problems that I mentioned in the complaint or cease and desist notice that was issued to them. As a result, I am forced to endure undue stress and frustration for the disregard of obvious legal rights that the agency should have known to be valid and honoring such request. Instead of honoring my request and heeding my warning, XXXX took that moment to defend themselves and prove the validity of their company 's existence and right to collect stating that they weren't breaking laws and will collect on behalf of the creditor that hired them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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