vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
This letter is a formal dispute and request for immediate action regarding a XXXX late payment reported by XXXX XXXX XXXXXXXX that is reflected inaccurately on my credit report. Despite multiple phone conversations with XXXX  XXXX XXXX, where I informed them that the check had been mailed by my credit union to cover the full balance, the issue remains unresolved. 

I initially mailed the check through my credit union on time. When no resolution occurred, I contacted XXXX XXXX XXXX several more times and was advised to follow up. My credit union has now mailed the check for the second time to ensure full payment, yet the late mark continues to impact my report and my credit score has dropped XXXX points. 

I have also provided documented proof from my credit union showing the check that was mailed to XXXX  XXXX XXXX. This proves my intent and timely action to resolve the balance, and it further supports that this late payment should never have been reported. 

Let it be noted that XXXX  XXXX XXXX refunding me my late fee back, which shows that they are aware of the mistake. 

This situation is a violation of : * * 15 U.S. Code 1681e ( b ) * * Accuracy of report : " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' * * 15 U.S. Code 1681i ( 5 ) * * Treatment of inaccurate or unverifiable information : " If, after any reinvestigation, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item from the consumers file or modify it as appropriate. '' Based on these laws, I am requesting that this inaccurate and unverifiable late payment be removed immediately from my credit report. This item is unjust, unverified, and incomplete, and it is causing significant harm to my creditworthiness. 

Please take prompt action to remove this item as required by law. 
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 2025-07-23 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: TX

Complaint narrative:
An account has been wrongfully attributed to me that I did not initiate or approve. I am the victim of fraud, and this entry does not reflect any valid transaction or agreement on my part.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

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 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 2025-07-23 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: KY

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 adverse 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 2025-07-23 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: NC

Complaint narrative:
I see an inquiry on my Equifax credit report that is not mine. I never asked or sought credit from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WI

Complaint narrative:
I applied for IDR repayment and received notification of EdFinancial receiving the application on XX/XX/XXXX. I then received notification they were unable to process the application on XX/XX/XXXX - the letter stated 60 days after receipt of application, my account would be put into administrative forbearance with 0 % interest accruing. This would be XX/XX/XXXX. My account shows as being in administrative forbearance, however, my loans have been accruing interest the entire time. I have made payments on XX/XX/XXXX of {$350.00}, XX/XX/XXXX of {$350.00}, and XX/XX/XXXX of {$250.00} to XXXX XXXX. Of those payments, {$240.00} has been applied to interest that should not have been accruing. I called on XXXX and XX/XX/XXXX requesting the interest on all loans to be corrected, and three previous payments properly adjusted. No corrections have been made to my account and interest is still incorrectly accruing on all loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX  Account number : XXXX Date opened : XX/XX/XXXX -XXXX XXXX XXXX Account XXXX : XXXX Opened on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I deposited a {$17000.00}, court approved, settlement check at a Wells Fargo ATM into my personal checking account, which has been open for over XXXX  years and is in good standing. The deposit receipt and online banking stated that funds would be available on XX/XX/XXXX, and {$400.00} was temporarily released. 

However, on XX/XX/XXXX, Wells Fargo reversed the {$400.00} release and sent a message stating the entire deposit would be held until XX/XX/XXXX. The hold notice states only Deposit Hold with no further explanation or citation of a valid exception under Regulation CC. At no point did the bank provide any valid specific reason. 

From my understanding under Regulation CC, when invoking the large deposit exception, a bank must still make available up to {$6700.00} of the deposit under its standard availability schedule. In my case, Wells Fargo is holding the entire {$17000.00} including the portion that was required to be made available. 

Furthermore, on XX/XX/XXXX, my mother deposited her own settlement check for the same amount of {$17000.00} from the same issuer into her Wells Fargo account. Her funds were not held and were made fully available the following business day showing clear evidence that Wells Fargo is applying deposit holds inconsistently and without objective justification. 

If this were the first time Wells Fargo had treated my account in this way, I might not have thought much of it. However, in XX/XX/XXXX, I deposited a {$9600.00} commission check and Wells Fargos fraud department contacted the check issuer directly to verify the funds before releasing them. While I understand this may be permitted, it adds to my concern of a suggested pattern of disproportionate scrutiny applied to my account.

I contacted Wells Fargos customer service twice by phone and visited a local branch in person but no one could provide a specific reason for the full hold. I received only vague explanations and no further documentation or regulatory basis. 

At the time of this complaint, the funds are still being held and Wells Fargo has not released any portion of the deposit despite having no clear or justified regulatory reason for withholding it. 

I would also like to note that I maintain a business banking relationship with Wells Fargo in addition to my personal account and I have been a long-term customer. I raise this concern not to escalate but to highlight that I have a broader and ongoing relationship with the bank.

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 2025-07-23 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-07-23 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
This letter serves as notice of your direct violation of said law, and I am filing a legal complaint for continuing to violate my credit by reporting and verifying fraudulent accounts. The following account is not mine and was opened or reported without my knowledge or consent : JEFFERSON CAPITAL Systems Collection, {$710.00} As I told the previous owner Asipre I never open this card theres no payment history theres nothing indicating this card was open by me. please remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
I see an inquiry on my Equifax credit report that is not mine. I never asked or sought credit from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
i tried opening account again with your company but i keep getting denied i apply online i got denied i called customer service and they told me that i have to go in person, i went in person and they told me that i wasnt able to open a account i asked why and they coudnt get me a answer im not sure what else to do i had accounts with balances that were closed and paid off years ago so i know i dont owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
A little over a year ago, my score suddenly dropped by over 100 points. The only indicator listed on any of the products was a flag saying " you have a serious delinquency '' but no tie to any specific account. I called experian several times to try to get any kind of amplifying information as to what this could be. Each time I was told essentially that " this is not our job ; '' they were either unwilling or unable to help me find the cause of this false delinquency. Since I am not able to file a dispute without specifically tying the information to an account, I had to do my own digging and research into this problem. The only potentially derogatory flag in my entire report was from an auto loan termination, which stated " early termination ; insurance loss. '' With no other information to go on, I filed a dispute for this statement. The dispute came back with no changes and no explanation of anything. When I tried calling in again for more information, I was again given the runaround and no options to help with this problem. I understand that the information that is reported to experian is out of their control, but at the end of the day it is their system that is producing this false derogatory indicator. There is no information in the report itself that has anything about a late or missed payment. The only thing that I can find through the experian mobile app under " FICO score factors '' stating that I have a " serious delinquency '' with an account open past 60 days. When I click on that, it just tells me it is tied to one account but it doesn't say which one. I have also tried following up on this with FICO and it does not appear to be a problem on their end. The other two major credit bureaus do not have this problem either and have my credit score accurately listed as about 100 points higher. There does not appear to be any avenue available to fix this error that only experian is reporting - this is the heart of the issue behind this complaint.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted formal disputes under Metro 2 and the Fair Credit Reporting Act ( FCRA ) to Experian, Equifax, and TransUnion on XX/XX/year> via XXXX Certified Mail ( tracking included ). 

The bureaus continue reporting violations, including : Re-aged accounts Charge-offs with active balances Missing dispute codes Duplicate personal information Incomplete or unverifiable data These are clear violations of FCRA 607 ( b ), 611, 623 and CDIA Metro 2 compliance standards. 

I demand complete deletion of all unverifiable and misreported items, written proof of investigation, and compliance with FCRA timelines. 

I am attaching documentation supporting these claims.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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