vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an auto loan charge-off/deficiency balance on my Experian credit report. I disputed this account with Experian, but Experian marked the account as verified without providing any supporting documentation from XXXX XXXX. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I never received the legally required repossession notices or post-sale accounting from XXXX XXXX XXXX XXXX after my vehicle was repossessed. Under UCC 9-611 and 9-616, creditors must provide written notice of intent to sell, and then provide a detailed accounting of how the sale proceeds were applied. I did not receive these notices, which means the alleged deficiency balance is not legally enforceable. 
In addition, the account statements from XXXX XXXX themselves prove that the reported balance is inaccurate and inconsistent : XX/XX/2021 statement : Balance shown as {$11000.00} after applying a XXXX XXXX  refund. A HANDWRITTEN note states sale of collateral applied to loan balance, but no documentation of the sale or auction price was included. 

XX/XX/2021 statement : Balance reduced to {$4000.00} after a {$7100.00} insurance payment was applied. This shows outside funds were credited, but Experian is still reporting a higher deficiency balance. 

XX/XX/2021 statement : Balance shown as {$3300.00}, but with handwritten notes showing Total Due {$5600.00}. This statement also shows questionable delinquency fines added and reversed, as well as GAP refunds applied, reversed, and re-applied. 

These three statements show at least three different balances for the same account over a short time frame, with improper fees and accounting manipulations. This proves the balance being reported to Experian is unreliable and unverifiable. 
Despite this evidence, Experian closed my dispute as verified without requiring XXXX XXXX XXXXo provide : Auction sale records or proof of the sale price Pre- and post-repossession notices as required by law A proper deficiency balance calculation free of improper fees This violates FCRA 611, which requires a reasonable reinvestigation of disputed information, and FCRA 605B, which requires deletion or blocking of fraudulent or unverifiable accounts.

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 2025-09-30 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:
This is now the third time I am submitting a dispute regarding fraudulent and inaccurate information that continues to appear on my credit report. Despite previous submissions, the reporting agency has failed to comply with its obligations under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B 15 U.S.C. 1681c-2, which require a proper reinvestigation and the removal of unverifiable or fraudulent accountsXXXX XXXX XXXXXXXX Account No : [ Insert ], Balance Owed : $ XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Account No XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXThese accounts were not authorized by me, do not belong to me, and are inaccurately reported as charged off. Their continued presence demonstrates a failure to maintain accurate reporting and a violation of my rights as a consumer and victim of identity theft. 
Additionally, my file still shows an unauthorized inquiry from XXXX XXXX  dated XX/XX/year>, which violates : FCRA 619 15 U.S.C. 1681q ( obtaining information under false pretenses ) FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) ( restricting access to permissible purposes ) The failure to correct these items has caused significant harm, affecting my ability to move forward financially, emotionally, and professionally. Each review of my credit report reveals the same fraudulent accounts and unauthorized inquiry, showing a pattern of negligence and willful noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am submitting this complaint because my credit reports maintained by the major credit reporting agencies ( XXXX Equifax, and XXXX XXXX as well as certain secondary reporting agencies contain inaccurate or incomplete information. 

These errors include accounts and information that do not belong to me and/or are reported incorrectly. The presence of these inaccuracies is causing me financial harm and may negatively affect my ability to obtain credit and fair lending terms. 

I have not filed disputes directly with the bureaus. Instead, I am requesting that the Consumer Financial Protection Bureau ensure that each credit reporting company conducts a full and proper investigation into my reports and corrects or removes inaccurate information, as required by the Fair Credit Reporting Act ( FCRA ). 

I am prepared to provide supporting documentation as needed, including identification and evidence of inaccuracies, to assist in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-30 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: MD

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-30 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: MOHELA
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am reaching out to request your assistance in resolving an ongoing issue with my student loan discharge. I have been tirelessly working to get my student loans fully discharged and have encountered numerous obstacles along the way. I hope you can provide the necessary support to rectify this situation and bring me some much-needed relief. On XX/XX/XXXX, I submitted an application to have my student loans consolidated. By XX/XX/XXXX, half of my loans were successfully discharged. However, when I inquired about the remaining balance, I was referred to XXXX by Mohela. Initially, XXXX stated they had not received my consolidation application. Later, they informed me that Mohela claimed I was still enrolled in XXXX, which led to the rejection of my consolidation application. In response, I provided Mohela with documentation from my XXXX  confirming that I was no longer enrolled. Despite this, I have faced long hold times and repeated discussions with representatives up to the supervisor level since the discharging of half of my loans. Each time, they have admitted to an error on their part and assured me that my discharge request was being escalated to the student aid department for the remaining balance to be discharged. Recently, my loan was transferred to XXXX under the Public Service Loan Forgiveness ( PSLF ) program, raising concerns that my discharge may not be completed as initially promised. This uncertainty is causing significant stress and financial strain. I am seeking your assistance to ensure that the rest of my student loans are correctly discharged. The ongoing issues have taken a considerable toll, and I am desperate for this matter to be resolved. Your help in this regard would be immensely appreciated and would provide me with the relief I desperately need. Thank you for your time and consideration. I look forward to your positive response and a swift resolution to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-30 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am filing a complaint regarding an account with Wells Fargo that was reported under XXXX XXXX XXXX. Wells Fargo offered me a 60 % off settlement opportunity, which I accepted and paid in full. As part of that settlement, I was informed that I would not owe Wells Fargo anything further. 

However, despite paying the settlement, this account is still being reported as having a balance owed. I recently spoke with a Wells Fargo representative, who confirmed that the account should reflect a {$0.00} balance and should be removed from my credit profile. This has not happened, and the inaccurate reporting is negatively affecting my credit. 

I am requesting that this account be corrected immediately to reflect a {$0.00} balance and that it be deleted from my credit profile, as originally agreed upon in the settlement.

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 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in 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 2025-09-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question : XXXXXXXX XXXX XXXX XXXX Late Dates XXXXXXXX XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s- 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms

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 2025-09-30 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: CA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
Subject : Urgent Escalation : PSLF Payment Count, Forbearance Status, and Unanswered Buyback Request To Whom It May Concern, I am writing to urgently escalate my Public Service Loan Forgiveness ( PSLF ) account issues. 

I currently have 117 qualifying PSLF payments credited, as per my count on the student aid website. However, I have been employed in qualifying public service for 129 months. 

I have been placed in general forbearance under the SAVE plan for over a year, despite maintaining qualifying employment. 

XXXX guidance indicates that litigation-related processing forbearances should accrue PSLF credit ; however, my account does not show these months as qualifying. 

I submitted a Buyback Request approximately 11 months ago to address gaps, but I have received no response or resolution. 

I have also attempted, unsuccessfully, to change into another Income-Driven Repayment ( IDR ) plan for over a year. 


Because of these issues, I am being prevented from reaching 120 PSLF qualifying payments and from submitting my forgiveness application. Each additional month of inaction places me in continued forbearance, accruing interest, and prolonging resolution beyond what is reasonable.

Requested Resolution : 1. Immediate review and correction of my PSLF qualifying payment count, including credit for eligible forbearance months while I was employed full-time in qualifying public service.

2. Immediate processing or status update on my Buyback Request filed ~11 months ago. 


3. Confirmation of my eligibility to switch into an IDR plan so that I can continue progressing toward PSLF.

4. Written confirmation of my updated PSLF qualifying payment total.

Thank you for your urgent attention. 

XXXX XXXX

Company response to consumer: In progress