vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-30 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: Experian Information Solutions Inc.
State: AZ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I feel overwhelmed by the fact that Aidvantage consolidated my loans after saying they would not be able to do so. I should have left my loans under the XXXX plan until the courts figured it out. My payment counts have now gone back to zero after I was XXXX XXXX into repayment! I work as an instructional assistant in a PSLF qualifying job, but I was not receiving credit for time worked because I was under " SAVE '', this is why I looked into a consolidation and XXXX Plan on the recommendation of XXXX, but now I am in a terrible position. Aidvantage is saying I will owe {$420.00} and my payment count started at XXXX. I make less than {$2000.00} a month, my husband has a XXXX on his XXXX that is highly likely to be cancerous and that requires XXXX and I recently was XXXX from a bankruptcy because we were struggling so much. If I could have included my student loans I would have. I can not pay anywhere near {$420.00} a month on student loans. And why didn't anyone tell me the years of credit I had already earned would be stripped away from me? Aidvantage gives very vague responses that are no help. I feel so frustrated with the whole system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since XX/XX/year>, I have disputed inaccurate information on my XXXX  credit report related to my Capital One XXXX Credit Card. Despite multiple disputes with both XXXX  and Capital Ones credit dispute departments, the inaccurate information remains unresolved. Instead of correcting the data, Experian removed the credit card entirely from my report without updating it accurately. 

Capital One closed their investigation without correcting the information or providing explanations. This failure has negatively impacted my rental applications and my ability to open a business credit card. 

My XXXX  and XXXX  credit reports show accurate, up-to-date information, so this issue is specific to XXXX  and Capital Ones reporting.

Under the Fair Credit Reporting Act, both the credit reporting agency and the information furnisher are required to investigate and correct inaccuracies. Their failure violates my consumer rights and causes me financial harm. 

I am requesting the CFPBs help to ensure XXXX  and Capital One comply with federal law and correct my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am writing to dispute the inaccurate payment history being reported for account number XXXX on my credit report. The current reporting is erroneous and fails to meet the Fair Credit Reporting Act ( FCRA ) standards for maximum possible accuracy. 

I am requesting that this account be immediately reviewed and updated, and that a full payment history for the account be provided to me so I can verify its accuracy. Without documentation supporting the current reporting, I am demanding that the account be updated to reflect " Paid as Agreed Never Late. '' Additionally, it is not in accordance with FCRA standards for an account to report 30 days late for XXXX consecutive months, especially without supporting evidence or notice. This pattern raises serious questions about the validity of the reported data. 

While I reserve my right to seek monetary relief under consumer protection laws, at this time I am simply requesting that this inaccurate and potentially misleading information be corrected or removed. 

I have attached a copy of the reporting in question for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act # numbers XXXX XXXX  has violated my rights. 15 u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 604 a section XXXX states a consumer reporting agency can not furnish a account without my written instructions. I have informed the credit bureaus to remove this but I keep getting a generic letter. I demand a proper investigation or I will take legal action. I have disputed this and their response was it was not on my credit report. I looked and XXXX XXXX  is still showing on my credit report. This account is over XXXX years old and should have been removed. There does not even show a date of removal listed. Every time I dispute this i get a letter stating XXXX XXXX is no longer on my report but it still is. I have attached documentation showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the reinstatement of my accounts which was recently removed or deactivated. 
I do not why these accounts of mine have been removed without my consent. I value the services provided by your platform and would greatly appreciate the opportunity to continue using the account. Please let me know if there are any actions required on my part or documents I must provide to support this 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 explanation
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 
FOURSIGHT CAPITALLLC XXXX Open Date XX/XX/2020 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX ACCOUNTS : LIGHTSTREAM - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} INQUIRIES : XXXX CARD Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX said I owed an amount that was already paid. They did put the amount on my bill and on my credit report. I requested that they remove and show proof of removal since they were forcing me to pay the amount or threatening to turn off service. They have not removed the amount from my report even after me disputing the information. That amount is on my active accountI am currently paying it. I requested to have this information removed my report and it has not been removed. The credit bureaus only put disputed but didnt remove it. I need it removed immediately.

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 2025-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo to file a claim on payments being taken out of my account. XX/XX/XXXX I initiated a transfer from a non-Wells Fargo account ( XXXX  ) on my Wells Fargo app to my Wells Fargo Checking. 

On XX/XX/XXXX, I tried to cancel the transfer online but couldn't. I then called Wells Fargo since initiated the transfer on the website to cancel the transfer. The representative stated she was able to cancel the transfer. I reviewed my account and saw where it had been deleted. After hours passed I noticed the transfer did not go back into my XXXX  account, and I called again around XXXX XXXX  to Wells Fargo. An agent stated I will need to give it XXXX business days to go back into my XXXX  account. 

Today, Monday, XX/XX/XXXX, the funds were deposited in the Wells Fargo account instead. I called to ask why it was deposited if I called to cancel on XX/XX/XXXX. The representatives stated there was no transaction or record of me calling on XX/XX/XXXX. She then transferred me to a complaint supervisor who said if I actually called, they would have a note on my account stating that, but there is nothing there. He acted like I was lying the whole time and stated he was not going to argue with me, and will escalate if I needed it to be. I agreed because I called in advance to cancel and it still went into my account. The supervisor asked did I got the agents ' names from when I called. I told him, " No, I did not. '' He said there was nothing he could help me with then if I did not know their names. 

I inquired why the transfer was deleted from my history but it shows it in my account. He stated he couldn't answer that because they can not delete a transfer. I then stated somebody deleted the transfer because I couldn't so there should be proof on my account of a agent deleting it. 

This has caused me to be short on my rent for XXXX. The bank is refusing to return the money to the XXXX  account even though I asked them to more than once.

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 monetary relief
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
I am writing to dispute an inaccuracy on my Experian credit report regarding an account with XXXX XXXX XXXX ( Account XXXX : XXXX ). The information provided on my credit report directly contradicts the details of a Form 1099-C issued by XXXX XXXX XXXX for the same account. 

What Happened : Contradictory Account Status on My Credit Report : My credit report, which should accurately reflect my account history, states the " Pay Status '' as " Account Paid in Full, was a Repossession '' and shows a " Balance : {$0.00}. '' However, the " Remarks '' associated with this account include " SETTLED-LESS THAN FULL BLNC<> '' and " >PAID REPOSSESSION<. '' These statements are contradictory ; an account can not be both " Paid in Full '' and " Settled-Less Than Full Balance '' simultaneously.

Discharged Debt Confirmed by Form 1099-C : In direct contradiction to the " Paid in Full '' status on my credit report, XXXX XXXX XXXX XXXX XXXX a Form 1099-C ( Cancellation of Debt ). This form clearly indicates a " Date of identifiable event '' of XX/XX/year>, and an " Amount of debt discharged '' of {$13000.00} for the " Debt For Car Purchase '' ( Identifiable event code F : Cancellation of debt by agreement ). 

The Mistake : The primary issue is that my Experian credit report inaccurately states the account was " Paid in Full. '' The issuance of a Form 1099-C for a significant amount of discharged debt ( {$13000.00} ) unequivocally demonstrates that the debt was not paid in full, but rather a portion was forgiven by XXXX XXXX XXXX . A debt discharged via a 1099-C indicates a settlement for less than the full amount, which is inconsistent with a " Paid in Full '' reporting. 

This inaccurate reporting on my Experian credit file misrepresents the true status of the account, potentially harming my creditworthiness. I request that you investigate this discrepancy and correct my credit report to accurately reflect that the debt was discharged as indicated on the Form 1099-C, rather than an incorrect " Paid in Full '' status. 

I have attached copies of the Form 1099-C and the relevant TransUnion documentation for your review. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-06-30 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: Experian Information Solutions Inc.
State: GA

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 2025-06-30 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation