vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX I applied for a loan and was denied by Wells Fargo. My friend then applied for the loan through Wells Fargo and was approved. This was for a hot tub I wanted and my friend gifted me the hot tub. 

On XXXX i received the item and i signed for its delivery. After a couple months my friend then paid off the balance on his credit card / loan for this product. 

Around XX/XX/XXXX I received an email stating I owed the balance of XXXX for this product. Then there was a claim against my credit report of a Collection account. {$3300.00} past due as of XX/XX/XXXX reported from XXXX XXXX XXXX Then i disputed the claim with XXXX  the credit reporting site. Which XXXX  found it to be fraud and deleted the collection account claim that was against me. 

Around XXXX - XXXX I received a harassing phone call claiming I owed the money for the item. 

Come XXXX - XXXX XXXX XXXX sent me a letter in the mail claiming that they are collecting a debt that Wells Fargo turned over to them that I owed {$7500.00} and that they wanted me to pay {$5200.00}. 

XXXX I called Wells Fargo about this loan and they told me they have no information about me and a loan with them. When talking to Wells Fargo I asked them about this credit card number that was on the paper that I signed for when I received the hot tub and Wells Fargo told me that it was a credit card through XXXX XXXX  and not them. Then I decided to call the hot tub manufacturer the sell these who gets paid through these loans and they couldnt provide me any information about this loan however they did say to me that there is someone who is handling my loan and they would have to call me back however I never received a phone call about this.

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 2025-07-18 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:
am filing a complaint regarding an inaccurate credit reporting issue with Experian. I previously had a charged-off credit card account with XXXX XXXX XXXX XXXX XXXX which I settled directly with them for {$1800.00} this was agreed upon and paid in full. The original charged-off balance was approximately {$6000.00}. 

I have received a formal settlement letter from XXXX XXXX confirming that the account was settled, and I have submitted this documentation to Experian multiple times, including between XX/XX/XXXX and XX/XX/XXXX, requesting that the account be updated to reflect a {$0.00} balance and show it as settled. 

Despite this, Experian continues to report that I owe the full {$6000.00}, which is inaccurate and misleading. XXXX XXXX has confirmed that they reported the correct settled status on their end, and they are not showing any further balance due. 

Experian has refused to update the information, even after receiving the appropriate documentation. This incorrect reporting is negatively impacting my credit and creating unnecessary obstacles as I try to obtain a vehicle. 

I am requesting that the CFPB investigate this matter and require Experian to update the account to reflect the accurate balance of {$0.00} and the appropriate settled status. 

Thank you for your 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 explanation
Consumer complaint received 2025-07-18 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: 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 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
I am reporting a wrongful eviction  that appears on my credit report even though it occurred during the XXXX eviction moratorium. 

Under federal and state protections, evictions during that time should not have been filed or reported, and certainly not shared with credit bureaus. This is a violation of my rights under the CARES Act, FCRA, and XXXX orders that were active during that period. 

This inaccurate and potentially illegal item is harming my ability to find safe housing. I am requesting that this eviction be fully investigated and removed from my credit report immediately. 

I have disputed the eviction with Equifax, Experian, and TransUnion, and I am including 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 non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am writing to formally dispute a late payment that has been incorrectly reported on my credit file under the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the credit report, this account reflects one or more late payments, which is entirely inaccurate and unsupported by my payment history. 

I have reviewed my records and verified that all payments on this account have been made on time. I have never received any notice of delinquency from XXXX or XXXX, nor have I failed to comply with the payment terms. Therefore, I believe this negative item was reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 1681i requires that credit reporting agencies conduct a reasonable reinvestigation when a consumer disputes inaccurate information.

Section 1681s-2 obligates furnishers ( in this case, XXXXXXXX XXXX XXXXXXXX XXXX to report only accurate and verifiable information to the credit bureaus. 

I am formally requesting the immediate deletion or correction of the late payment notation from my credit report and that a written confirmation of this action be provided. Continuing to report this false information after being notified of its inaccuracy may constitute willful noncompliance, subject to legal consequences under FCRA 1681n and 1681o. 

Please consider this letter a formal dispute under federal law. I expect resolution within the 30-day period allowed under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-18 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute a late payment entry that appears on my credit report and does not accurately reflect my payment behavior. I have taken pride in maintaining a positive credit history and have always paid my accounts on time. This reported late payment seems to have been recorded in error.

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 2025-07-18 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am filing a complaint against Experian for unlawfully readding a previously deleted account back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. The account in question is : Creditor Name : US Bank ; Account Number appearing on my experian credit report XX/XX/XXXXDate of Original Removal : XX/XX/year>2025 Date of Reinsertion : XX/XX/year>2025 This account was previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA 611 ( a ) ( 5 ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within five business days and the furnisher must certify the accuracy of the information before reinsertion. I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm. Permanently delete the reinserted account from my credit report. Provide written confirmation of the permanent deletion. Send an updated credit report reflecting the correction. Identify the furnisher of the data and their certification, if it was provided. Ensure compliance with FCRA 611 ( a ) ( 5 ) ( B ) moving forward.

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 2025-07-18 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: WA

Complaint narrative:
I had an income driven repayment plan on my account and all of my information was up-to-date and correct with XXXX. The credit service company dealing with the loan from XXXX XXXX  did not use any of that updated or accurate information to get a hold of me at all to let me know that the payments had resumed through email phone or address all of a sudden I got a charge on my credit for 90 to 120 days past due for three different loans which dropped my credit score significantly over XXXX points. I called them up immediately and paid off two of the loans and put the other in forbearance and explain to them how they didnt get a hold of me or use my updated information they refused to correct any of that even after filing disputes with the credit bureaus Im still left with significantly harmed credit for something that I never wouldve let default. I did everything I was supposed to on my end and yet here I am being stuck in a position because they didnt take the proper channels to get a hold of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: WA

Complaint narrative:
I had an income driven repayment plan on my account and all of my information was up-to-date and correct with FASFA. The credit service company dealing with the loan from XXXX XXXX  did not use any of that updated or accurate information to get a hold of me at all to let me know that the payments had resumed through email phone or address all of a sudden I got a charge on my credit for 90 to 120 days past due for three different loans which dropped my credit score significantly over XXXX points. I called them up immediately and paid off two of the loans and put the other in forbearance and explain to them how they didnt get a hold of me or use my updated information they refused to correct any of that even after filing disputes with the credit bureaus Im still left with significantly harmed credit for something that I never wouldve let default. I did everything I was supposed to on my end and yet here I am being stuck in a position because they didnt take the proper channels to get a hold of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: WA

Complaint narrative:
I had an income driven repayment plan on my account and all of my information was up-to-date and correct with XXXX The credit service company dealing with the loan from XXXX advantage did not use any of that updated or accurate information to get a hold of me at all to let me know that the payments had resumed through email phone or address all of a sudden I got a charge on my credit for 90 to 120 days past due for three different loans which dropped my credit score significantly over XXXX points. I called them up immediately and paid off two of the loans and put the other in forbearance and explain to them how they didnt get a hold of me or use my updated information they refused to correct any of that even after filing disputes with the credit bureaus Im still left with significantly harmed credit for something that I never wouldve let default. I did everything I was supposed to on my end and yet here I am being stuck in a position because they didnt take the proper channels to get a hold of 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 2025-07-18 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: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX  XXXX Balance : {$390.00} XXXX & XXXX XXXX Balance : {$25000.00}

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 2025-07-18 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: FL

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

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 2025-07-18 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief