vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: WA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent federal student loan reported by ED Financial ( Account ending in XXXX ). 

I am a victim of identity theft. On XX/XX/year>, I discovered that a loan for {$3100.00} had been opened in my name through ED Financial on XX/XX/year>, without my knowledge or authorization. I have never applied for, requested, or received any federal student loan or financial aid. I have also never attended, enrolled in, or been associated with any school connected to this account. The fraudulent loan is linked to an address that is not mine ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). 

I filed disputes with all three credit bureaus and provided proof of identity, current address, and an official police report confirming identity theft. Despite this, ED Financial verified the fraudulent loan as accurate. 

ED Financials continued reporting of this account violates FCRA 623 ( a ) ( 8 ) and 623 ( b ), which require furnishers to conduct a reasonable investigation and to correct or delete information they knowor should knowis inaccurate.

I have also submitted a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX for False Certification ( Identity Theft ) for this same loan. I request that the CFPB compel ED Financial to : Permanently delete this fraudulent account ; Notify all credit bureaus that the loan information is inaccurate and direct them to remove the tradeline from my credit reports ; and Provide written confirmation that my identity has been disassociated from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
I am submitting to formally dispute inaccurate and misleading accounts currently appearing on my credit report. After reviewing my file, I discovered several accounts that have been reported incorrectly, which has caused unnecessary harm to my credit reputation and overall financial standing. 
I value maintaining good credit and have always made efforts to keep my accounts in order. However, the data being reported does not reflect my actual payment history or account status. I am asking for a full reinvestigation of the following accounts and a correction if the information can not be properly verified. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$480000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late 30 days XX/XX/XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute incomplete or inaccurate information and request a full reinvestigation. Under FCRA 623 ( a ) ( 2 ), furnishers are required to promptly correct and update inaccurate data. Under FCRA 623 ( b ), furnishers are obligated to investigate disputes forwarded by credit bureaus and to report results accurately. Lastly, FCRA 602 outlines Congresss purpose to ensure fair and accurate credit reporting for all consumers a standard not being met in my case.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing inaccurate and incomplete credit reporting related to a XXXXXXXX XXXX XXXXXXXX account that resulted in a garnishment based on a judgment that has now been legally vacated. 

On XX/XX/year>, the XXXX XXXX XXXX XXXX ( Case No. XXXX ) issued an Order Vacating Default Judgment pursuant to XXXX. XXXX ( d ) ( XXXX ) after finding that I was never properly served at my dwelling or usual place of abode. The court explicitly cancelled the XXXX of XXXX. XXXX. and marked the case closed. 

Despite this ruling, XXXX XXXX  and its representatives have continued reporting the account as charged off and delinquent, which is inaccurate because the underlying judgment is now void ab initio ( invalid from the start ). Additionally, the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, confirming the garnishment was dissolved. 

These court orders confirm the debt is no longer enforceable and should not appear as an active derogatory item. Continued negative reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only accurate and current information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am disputing inaccurate and incomplete credit reporting related to a XXXX XXXX  XXXX account that resulted in a garnishment based on a judgment that has now been legally vacated. 

On XX/XX/year>, the XXXX XXXX XXXX XXXX ( Case No. XXXX ) issued an Order Vacating Default Judgment pursuant to XXXX. XXXX ( d ) ( XXXX ) after finding that I was never properly served at my dwelling or usual place of abode. The court explicitly cancelled the XXXX of XXXX. XXXX. and marked the case closed. 

Despite this ruling, XXXX XXXX  and its representatives have continued reporting the account as charged off and delinquent, which is inaccurate because the underlying judgment is now void ab initio ( invalid from the start ). Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, confirming the garnishment was dissolved. 

These court orders confirm the debt is no longer enforceable and should not appear as an active derogatory item. Continued negative reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only accurate and current 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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MO

Complaint narrative:
Wise closed my account on XX/XX/year>, and informed me that the remaining balance would be refunded within 30 business days. However, as of today, I still have not received the refund. I contacted Wise multiple times asking for the status of my refund and requested compensation for the unreasonable delay and inconvenience, but they only gave generic responses and did not provide a clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am sending this dispute to formally challenge the accuracy and verification of the following accounts currently reported on my credit file : Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Balance {$380.00} ), and Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX, Balance {$880.00} ). These accounts are being reported with inaccurate balances and unverifiable information that may not reflect my actual financial obligations. Under FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), 605 ( a ) and FDCPA 809, 807, credit reporting agencies and furnishers are required to maintain, verify, and report only accurate and fully substantiated information. If any of these accounts can not be validated through proper documentation, they must be removed from my credit report.

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 2025-11-05 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:
I am sending this dispute to formally challenge the accuracy and verification of the following accounts currently reported on my credit file : Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Balance {$380.00} ), and Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX, Balance {$880.00} ). These accounts are being reported with inaccurate balances and unverifiable information that may not reflect my actual financial obligations. Under FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), 605 ( a ) and FDCPA 809, 807, credit reporting agencies and furnishers are required to maintain, verify, and report only accurate and fully substantiated information. If any of these accounts can not be validated through proper documentation, they must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a Macy 's Credit Card and sometime in XX/XX/year>, I was told that there appeared to be a transaction on my account, which I did not make. I told the agent that called me that I did not make the transaction and that it should not be authorized. I was however told that the transaction in the amount of {$850.00} had been authorized but that they would try to retrieve the amount and that I would not be billed. I had notified the company at various telephone calls that I did not authorize this particular transaction. However on XX/XX/XXXX and XXXX, Macy 's Fraud Investigation Department stated that they have closed their investigation and have determined that I got benefit from the fraudulent transaction, hence they asked me to pay up the amount and threatened to report me to the Credit agencies if I do not. I was subsequently forced to make payment for an amount I did not spend or authorize. Macy 's Credit Card Unit assisted the fraudster to fleece me of my hard earned money and I believe I did not get the adequate protection as a customer in this case

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 2025-11-05 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: NY

Complaint narrative:
Failure to comply with regulatory complaints CFPB Regulation F ( 12 CFR 1006.30 ) : Furnishes must ensure all data reported is verified, comp0, and accurate at all times. Unverified information must be immediately deleted. 
Continued reporting without evidence is a Legal violation warranting deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I saw a debt collection on my credit from Midland Credit Management for an account they bought from XXXX XXXX and I did not receive the mail that they sent out to be able properly dispute the debt because they did not send the mail to me because it was not my address. Now the debt has been sent to a law firm. I contacted them and they tried to set up a payment plan and I got scared because they stated they could garnish my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
Had an ffel loan in XXXX the loan was then consolidated then defaulted in XXXX in XXXX my taxes where garnished XXXX the loan was XXXX under borrowers defense i was notified in XX/XX/XXXX and being getting bounced from department to department with no help nelnet stated federal student aid has to approve the refund its like im not being helped and going unheard after calling every week almost every day even complaint after complaint

Company response to consumer: Untimely response
Consumer complaint received 2025-11-05 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: MO

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am requesting validation of this debt. 

Please provide complete information on the original creditor, original account number, the date this account was opened, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges. 
Find related co.. 
Search How to dispute a collection directly with the debt collector If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request. 
+. 
At this time I disp

ute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days. XXXX XXXX If valida
tion is not provided, I will expect this item to be removed from my credit reports and further

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Hello, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. XXXX attaching all the necessary documents on this letter.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending this complaint to formally notify you that I have been a victim of identity theft. In accordance with FCRA Section 605B ( 15 U.S.C. 1681c-1 ), I have filed an official identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov and attached the relevant documentation to support my claim. This report includes evidence of fraudulent and unauthorized activity appearing on my credit file. Specifically, the account XXXX XXXX XXXXXXXX XXXX with a reported balance of {$1700.00} does not belong to me and was not opened or authorized under my name. The inclusion of this account represents inaccurate and fraudulent information that must be promptly blocked, deleted, and corrected as required by FCRA Section 605B, which mandates that credit reporting agencies investigate and remove all items resulting from identity theft once proper documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
XX/XX/year> Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Notice of Identity Theft / Mixed File Request for Deletion of Unauthorized Items : Formal Dispute and Request for Permanent Removal of Fraudulent Accounts FCRA 605B, 611, and 623 Report XXXX Dear Credit Bureau Representative, I am writing to dispute fraudulent and inaccurate information appearing on my credit report maintained by your agency, which appears to result from identity theft, a mixed-file, or improper reporting under the Fair Credit Reporting Act ( FCRA ). I have previously disputed multiple items ( XXXX names and XXXX addresses ) that keep re-appearing on my reports despite earlier attempts to have them removed. These items belong neither to me nor to any lawful account I authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a credit card ending XXXX with Wells Fargo since XXXX. Never late in payment. Last month XXXX XXXX statement closing balance is XXXX. Every month Wells Fargo do report balance of the account after monthly statement close date, but this month, they did not report to XXXX  until now. I did call Wells Fargo President Executive office, and they created case against Account number ending in : XXXX Wells Fargo case number : XXXX on XX/XX/XXXX Wells Fargo want to delay this update to credit Bureau XXXX  so that not increase my credit score. I have another credit card ending XXXX from Wells Fargo for limit of {$19000.00}. and they decrease the limit of {$16000.00} Wells Fargo, RISK TEAM. Welsl Fargo delaying update to report. When I call XXXX, they dispute this issue. 
I found that card ending XXXX update balance at other credit Bureau update, but XXXX  fail to update. Seems to Wells Fargo and XXXX  intentionally not updating and that reason my XXXX score also not updated

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 2025-11-05 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: NY

Complaint narrative:
I have a credit card ending XXXX with XXXX XXXX since XXXX. Never late in payment. Last month XXXX XXXX statement closing balance is XXXX. Every month XXXX XXXX do report balance of the account after monthly statement close date, but this month, they did not report to Experian until now. I did call XXXX XXXX XXXX XXXX XXXX, and they created case against Account number ending in : XXXX XXXX XXXX case number : XXXX on XX/XX/XXXX XXXX XXXX want to delay this update to credit Bureau Experian so that not increase my credit score. I have another credit card ending XXXX from XXXX XXXX for limit of {$19000.00}. and they decrease the limit of {$16000.00} XXXX XXXX, XXXX XXXX. XXXX XXXX delaying update to report. When I call Experian, they dispute this issue. 
I found that card ending XXXX update balance at other credit Bureau update, but Experian fail to update. Seems to XXXX XXXX and Experian intentionally not updating and that reason my FICO score also not updated

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