vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: TX

Complaint narrative:
ED Financial/ESA is currently reporting multiple late payments on my student loan accounts. I dispute the accuracy and fairness of these late payments. 

Federal student loan servicers are required under the Fair Credit Reporting Act ( FCRA 602A, 607 ( b ), 623 ) to ensure maximum possible accuracy. Reporting lates while the account is eligible for deferment or forbearance is inaccurate, misleading, and unfair. These negative marks do not reflect the true status of my account and are damaging my credit profile.

Under the Higher Education Act and federal student loan servicing guidelines, borrowers experiencing financial hardship or unstable living conditions must be offered relief such as deferment or forbearance. Instead of working with me to properly apply these protections, ED Financial/ESA chose to furnish harmful late payments to the credit bureaus. This is a violation of consumer protection laws and a direct failure of their duty as a federal loan servicer. 

Furthermore, I was not provided clear and fair notice of deferment and hardship options prior to these negative reports being submitted. Failing to properly inform and assist a borrower before reporting lates violates consumer rights under FCRA 623 and FDCPA 807 ( misleading or deceptive practices ). 

I am currently experiencing unstable living conditions and can not safely receive mail. Therefore, all responses and supporting documents must be uploaded directly to the CFPB portal for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — FHA 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: Shellpoint Partners, LLC
State: MN

Complaint narrative:
My credit report is showing late payments during that time. My loan was in forbearance. I should have no late payments on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MN

Complaint narrative:
I was notified on XX/XX/25 by my XXXX credit card that there was a new application for credit and it was showing up on my credit report. Upon checking, I was informed that an application had been completed with XXXX XXXX for a XXXX credit card using my name and social security number in the state of Arizona. I do not live in that state nor have I ever traveled to that state.

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 2025-08-20 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: AZ

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX & EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was charged XXXX separate times for {$49.00} each by a company called XXXX. I do not gamble, and I never authorized these transactions. 

I immediately reported these charges to Wells Fargo as fraudulent. To my frustration, Wells Fargo denied my claims without providing any explanation. I was told I would have to wait up to 30 days just to receive a reasoning behind their denial, and that I can not reopen the case. 

This is unacceptable. These are clearly fraudulent charges, and instead of protecting me as a customer, Wells Fargo has refused to stand behind me or even provide transparency into their decision. I feel ignored, dismissed, and left financially responsible for something I did not 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 2025-08-20 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:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they got there. I reviewed my credit report as part of my regular routine, but unlike previous times, there were unexpected inconsistencies. I even refreshed my browser, thinking it might be a technical error, but the inaccurate entries remained visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
I am writing to you regarding a debt of over {$10000.00} for which I received a subpoena. I responded to the subpoena, stating that the debt is not mine and that I wish to resolve the matter. 

A month later, I received a response directing me to complete an affidavit for fraud information. I have since attempted to contact your office by both phone and email on multiple occasions to request assistance with this matter. I received the fraud affidavit form, and I have since sent multiple emails attempting to explain that the debt does not belong to me and that I need help completing the paperwork. 

Despite my repeated attempts to get assistance, I was informed that I would need to file a new claim. I am doing my best to complete the required paperwork to the best of my ability. However, I am seeking guidance to ensure the information is completed accurately and correctly. 

The Dates of Communication were as follows : XXXX : XXXX Received XXXX  from XXXX XXXX I responded to threw the court to the XXXX. 
XXXX XXXX Received Letter from XXXX XXXX XXXX I sent an email to XXXX XXXX XXXX Mailed letter from XXXX XXXX XXXX I Emailed and Mailed letter to XXXX XXXX XXXX Recieved Letter from XXXX Thank you for your time and consideration. I look forward to your response and hope to resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers
e item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-08-20 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: SG and Associates
State: IL

Complaint narrative:
I am filing a complaint regarding an inaccurate and unlawful collection account being reported on my credit file. 

On XX/XX/XXXX, a company called Stafford Group began reporting a collection account on my XXXX  credit report. This account is tied to XXXX XXXX. 

However, the Consumer Financial Protection Bureau issued an enforcement order against XXXX XXXX ( CFPB No. XXXX, dated XX/XX/XXXX ), which permanently banned XXXX from : Collecting on existing leases Reporting accounts to credit reporting agencies Selling or transferring accounts to debt buyers Despite this federal order, Stafford Group is now reporting a XXXX-related account on my credit file. This is illegal reporting activity, since the original creditor was barred from transferring or enforcing these accounts. 

Additionally, Stafford Group has failed to provide me with validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA 809, 15 U.S.C. 1692g ). I never received a proper notice of debt transfer, itemization, or supporting documentation proving that I owe this account.

This also violates my rights under the Fair Credit Reporting Act ( FCRA 609 and 611, 15 U.S.C. 1681g/h ), which entitle me to accurate and verifiable reporting of debts.

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 2025-08-20 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-08-20 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX To : Experian XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, I dispute and demand deletion of the following addresses and accounts reported on my Experian file dated XX/XX/XXXX. 

DISPUTED ADDRESSES XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX Only my current address : XXXX XXXX XXXX, XXXX, XXXX  XXXX is valid. Remove obsolete addresses per 15 U.S.C. 1681c ( a ) ( 4 ). 

DISPUTED ACCOUNTS XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  Status : Charged-Off XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Status : Closed * XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Status : Closed * XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Status : Closed XXXX XXXXXXXX XXXX XXXX Collection Account * XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account * XXXX XXXX XXXX  XXXX XXXX Account These accounts are unverified, inaccurate, and/or older than 7 years from the date of first delinquency, violating 15 U.S.C. 1681c ( a ) ( 4 ). DEMANDS 1. Delete all obsolete addresses.

2. Permanently remove all disputed accounts unless full verification is provided.

3. Confirm in writing the corrections. 
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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
This creditor has been calling none stop making threats, mental draining me, I have been asked multiple times to be placed on the do not call list. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: WI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-20 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: WI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
This company has continued to report this debt to the credit bureau continually blocking my attempts to secure and maintain housing. This company has received multiple communications confirming the account balance was {$0.00} and there are no damages to collect. This company has not provided any further information and did not accept any supporting documents regarding the settling of this account. This company has not responded to attempts to resolve or clarify this debts despite the originator deleting this debt. This company has continued to delete and regenerate this collection every time it has been accurately and successfully disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: WA

Complaint narrative:
After receiving XXXX phone calls from XXXX XXXX XXXX to my personal phone in less than XXXX hours between XX/XX/year> and XX/XX/year>. XXXX XXXX called my employer on XX/XX/year> and said they were from XXXX XXXX XXXX in order to contact me. They called again on XX/XX/year> and said the same exact thing to my employer as well. I told them not to call my employer and the man on the phone named XXXX said it was my fault because I wasnt returning their phone calls. This is harassment and extremely dishonest business practices. They also refused to send me an email showing my debt amount, the payment date wed agreed upon, and if my debt will be wiped once I pay, they said they can not send me information like that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In XX/XX/XXXX, I filed disputes with Experian, Equifax, and TransUnion regarding inaccurate bankruptcy reporting and related tradelines on my credit reports. These entries are not verifiable and are reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), which require consumer reporting agencies to maintain maximum possible accuracy and to reinvestigate disputes. 

On XXXXXX/XX/XXXX, I sent each bureau a formal dispute package by USPS Certified Mail that included my government-issued drivers license, proof of current mailing address, and supporting documentation. USPS tracking confirms delivery with electronic signature receipts. 

Despite this, all three bureaus continue to claim they did not receive ID or can not verify identity, even though the documentation was already submitted. This is a stall tactic designed to obstruct the 30-day investigation clock required under the FCRA.

I am providing my USPS certified mail receipts and copies of the ID/proof of address again as supporting documents. I request that the CFPB enforce compliance, require deletion of unverifiable items, and take action against the pattern of misconduct where credit bureaus falsely claim non-receipt of documents.

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 2025-08-20 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief