vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am filing this complaint because my consumer credit reports, maintained by the nationwide credit reporting agencies ( Experian, XXXX, and TransUnion ) as well as other secondary credit reporting agencies, contain inaccurate and/or incomplete information. 

The disputed items include accounts and entries that do not belong to me, information that has been reported inaccurately, and records that appear outdated or unverifiable. These errors are damaging my creditworthiness, lowering my credit score, and creating barriers to obtaining fair access to credit, housing, and financial opportunities.

I have not yet submitted direct disputes to the credit reporting agencies themselves. Instead, I am requesting the assistance of the Consumer Financial Protection Bureau to ensure that all relevant credit reporting agencies both the nationwide consumer reporting agencies and secondary data furnishers comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This includes : Conducting a reasonable reinvestigation of the disputed information. 
Deleting or correcting any inaccurate, incomplete, or unverifiable entries. 
Providing me with updated copies of corrected reports. 

I am prepared to provide supporting documentation ( such as proof of identification, account records, and evidence showing inaccuracies ) to assist in this investigation. I ask that the CFPB hold the reporting agencies accountable to the standards of accuracy, fairness, and completeness mandated by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I receive an email from Wells Fargo Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because of one or more money transfers to your account reported as unauthorized. The accounts are expected to close by XX/XX/year>. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. 


I don't have any unauthorized transfers. The closure must be I have new business account with them and since its new there's XXXX payment from my customers all authorize.

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 2025-09-30 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: NC

Complaint narrative:
I am submitting this follow-up complaint regarding inaccuracies that remain on my credit report despite prior disputes. After reviewing my file, I identified several items that are inaccurate, misleading, and harmful to my credit profile.UpXXXX and XXXX XXXX Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  all showing a {$0.00} balance, are reported inaccurately and without proper verification. Reporting these accounts violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and Section 605B 15 U.S.C. 1681c-2. Since these accounts can not be properly verified, they must be removed from my credit report.The following inquiries appear on my credit report without my authorization : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized and violate FCRA 619 15 U.S.C. 1681q ( obtaining information under false pretenses ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) ( access to consumer reports for permissible purposes only ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the refusal of the nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) to provide me with my legally mandated free credit reports through XXXX. 

On XX/XX/year>, I attempted to obtain my credit reports from XXXX, the official source designated by the Federal Trade Commission and the credit reporting agencies to provide free annual reports. Despite multiple attempts, none of the agencies would furnish me with my reports. 

Under Section 612 ( a ) ( 1 ) of the FCRA, every consumer is entitled to one free copy of their credit report from each nationwide consumer reporting agency every 12 months upon request. The Federal Trade Commission and CFPB have consistently reinforced this right. By denying me access, the agencies are in direct violation of federal law and are impeding my ability to monitor and dispute any inaccuracies in my credit history, as guaranteed by the FCRA. 

Requested Remedy : I respectfully request that the CFPB take immediate action to : 1. Compel Equifax, Experian, and TransUnion to provide me with my free annual credit reports without delay.

2. Investigate why I was denied access, as this appears to be a systemic failure that may be affecting other consumers.

3. Ensure that each bureau implements corrective measures to prevent future violations of FCRA 612. 

The inability to access my reports not only violates my statutory rights but also hinders my ability to protect myself against identity theft, monitor my creditworthiness, and ensure accuracy of the data being reported. 

Please confirm receipt of this complaint and advise me of the steps being taken to resolve this 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 2025-09-30 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and incomplete information reported on my credit file, which have caused, or could cause, significant harm to my creditworthiness. The following items are disputedXXXX XXXX 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 ( new inaccurate address ) I have never resided at these addresses. Under FCRA 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and reporting incorrect addresses violates this requirement. 
XXXX XXXX The spelling or formatting of my name is reported inaccurately. This misrepresentation may lead to mistaken identity and reporting errors.Daniels JWLS XXXX * * * Balance Owed : {$940.00} * XXXX XXXX * * * * * * * * Balance Owed : {$0.00} * * XXXXXXXX XXXX XXXXXXXX * * * * Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$4600.00} * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} * * ABSOLUTE RESOLUTIONS I XXXX XXXX XXXX XXXX Balance Owed : {$720.00} * * ABSRES INV Original Creditor : XXXX XXXX XXXX  XXXX * XXXX XXXX Balance Owed : {$720.00} * * XXXX XXXX  These accounts, collections, inquiries, and inaccurate addresses do not accurately reflect my credit history. The continued reporting of these items violates multiple provisions of the FCRA : FCRA 607 ( b ) Duty of maximum possible accuracy.

FCRA 611 ( a ) Right to dispute incomplete or inaccurate information and mandate for reasonable reinvestigation FCRA 602 ( a ) Congress recognizes that inaccurate reporting undermines consumer confidence and can cause unjust harm.

FCRA 623 ( a ) ( 8 ) Obligation of furnishers to provide accurate and complete information to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I am submitting this complaint regarding multiple inaccuracies and incomplete information reported on my credit file, which have caused, or could cause, significant harm to my creditworthiness. The following items are disputedXXXX XXXX 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 ( new inaccurate address ) I have never resided at these addresses. Under FCRA 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and reporting incorrect addresses violates this requirement. 
XXXX XXXX The spelling or formatting of my name is reported inaccurately. This misrepresentation may lead to mistaken identity and reporting errors.Daniels JWLS XXXX * * * Balance Owed : {$940.00} * XXXX XXXX * * * * * * * * Balance Owed : {$0.00} * * XXXXXXXX XXXX XXXXXXXX * * * * Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$4600.00} * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} * * ABSOLUTE RESOLUTIONS I XXXX XXXX XXXX XXXX Balance Owed : {$720.00} * * ABSRES INV Original Creditor : XXXX XXXX XXXX  XXXX * XXXX XXXX Balance Owed : {$720.00} * * XXXX XXXX  These accounts, collections, inquiries, and inaccurate addresses do not accurately reflect my credit history. The continued reporting of these items violates multiple provisions of the FCRA : FCRA 607 ( b ) Duty of maximum possible accuracy.

FCRA 611 ( a ) Right to dispute incomplete or inaccurate information and mandate for reasonable reinvestigation FCRA 602 ( a ) Congress recognizes that inaccurate reporting undermines consumer confidence and can cause unjust harm.

FCRA 623 ( a ) ( 8 ) Obligation of furnishers to provide accurate and complete information to credit reporting agencies.

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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
My parents died 8 month apart in XXXX. I have birth defects, upon their death I inherited the mortgage for my home. Until last month one main was working with me on my XXXX loans. But not seeing an increase in my income in the foreseeable future. I requested a permanent loan modification. Since I may or may not get a reverse mortgage when I turn XXXX in XXXX. I was denied I do not think they even considered my mortgage payment of XXXX which is my parents name. The mortgage payment takes half my overall income which is soc sec and a part time online teaching job. When I talked to XXXX last month I told her repeatedly I could not make a full payment at the end of this month. 
XXXX acted like she didn't hear me and continued talking and stating they couldn't help me anymore. I hung up. In the the last month they call me no less than XXXX a day despite my emailing them and telling them to stop. 
I made a payment on each loan at XXXXXXXX XXXX XXXXXX/XX/XXXX. which was half of each payment. When I logged back in at XXXX XXXX  XXXX. The loan for my car had tripled. 
I can't pay this and keep my home. Their aggressive collection tactics is affecting my mental health. If do not get my reverse mortgage in XXXX I will be able to even make a partial payment. They have threatened to take liens against me when I have nothing to start with. The mortgage is in my parents name. I am going to food XXXX and getting assistance where I can. But I will not forfiet my home for One Main. I have no heirs. I am the last remaining member of my family. So unless they agree to cut my payments significantly. The only way they will get paid is when I die. 
I plan to live a long time. I hope these type of loan companies will eventually be made illegal like the pay day loans. 
With my lifetime XXXX, when my parents died with whom I lived with my entire life. I all i have left is my house and my pets. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NM

Complaint narrative:
I am having a problem with my credit repot and the false information that is being reported on my credit report and I believe it has hinderer me in the process. Equifax has been reporting an accurate account by XXXX XXXX XXXX XXXX account XXXX XXXX amount {$410.00} Date Reported XX/XX/year>XXXX  For XXXX XXXX XXXX  This account was paid for before it ever went to collections and I provided proof to the company and everything that it was and its still on there. I am very frustrated about this because nothing is being done about this. This really affected my credit and I need this fixed.. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Two collection accounts from Portfolio Recovery/credit issuer is being reported under a name that I have never been known by and it is not my legal name. Reporting this account under a false name is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). I have disputed this with the credit bureaus, but the furnisher continues to verify the account without removing it. This incorrect reporting is damaging my credit profile and preventing fair access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX DOB : XX/XX/XXXX [ Date ] XX/XX/XXXX Re : Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1637a and FCRA 611 ) To Whom It May Concern, I am disputing an inaccurate late payment reported by XXXX XXXX XXXX  XXXX on my XXXX  credit file, dated XX/XX/XXXX. 
Creditor Name : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX Experian Account Number : XXXX XXXX  Account Number : XXXX Reported Inaccuracy : 30-day late payment for XX/XX/XXXX This reporting is invalid because XXXX  XXXX failed to comply with its disclosure obligations under 15 U.S.C. 1637a, which requires issuers of open-end credit accounts to provide clear written disclosures regarding due dates, billing cycles, and applicable payment terms. If these disclosures were inadequate or not properly delivered, the late payment is not valid.

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to reinvestigate and correct disputed information. Further, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) obligates you to ensure maximum possible accuracy.

Therefore, I demand that this late payment be corrected to Pays As Agreed/Never Late ( PAANL ) on my XXXX  credit file.

Please provide written confirmation of the results of your reinvestigation and an updated copy of my report reflecting the correction. 
Sincerely, 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX DOB : XX/XX/XXXX [ Date ] XX/XX/XXXX Re : Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX ( 15 U.S.C . 1637a and FCRA 611 ) To Whom It May Concern, I am disputing an inaccurate late payment reported by XXXX XXXXXXXX XXXX XXXXXXXX on my TransUnion credit file, dated XX/XX/XXXX. 
Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Transunion Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX Reported Inaccuracy : 30-day late payment for XX/XX/XXXX This reporting is invalid because XXXX XXXX failed to comply with its disclosure obligations under 15 U.S.C. 1637a, which requires issuers of open-end credit accounts to provide clear written disclosures regarding due dates, billing cycles, and applicable payment terms. If these disclosures were inadequate or not properly delivered, the late payment is not valid. 
Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to reinvestigate and correct disputed information. Further, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) obligates you to ensure maximum possible accuracy. 
Therefore, I demand that this late payment be corrected to Pays As Agreed/Never Late ( PAANL ) on my TransUnion credit file. 
Please provide written confirmation of the results of your reinvestigation and an updated copy of my report reflecting the correction. 
Sincerely, 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 2025-09-30 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:
In accordance with the fair credit reporting the list of accounts below has violated my fedearally protected consumer rights to privacy under 15 USC 1681 XXXX XXXX I looked at my transunion and noticed that this is false and inaccurate according to the FCRA 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Monthly payments were miscalculated. Inflated payment information was reported to the credit bureau and misrepresented debts negatively affected my credit and my score dropped. Nelnet 's data breach affected 2.5 million borrowers, so information like my name, social security number was exposed. A class action law suit was filed. Nelnet failed to safeguard my data and delayed notifying me of this mishap.

Company response to consumer: Closed with explanation