vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing multiple inaccurate and damaging items appearing on my credit reports across Experian, Equifax, and TransUnion. 

Despite having accounts in active deferment status with the Department of EducationXXXX XXXX these loans are being reported with late payments from XX/XX/XXXX through XX/XX/XXXX, which is false, misleading, and a direct violation of FCRA XXXX681s-2 ( a ). I was not required to make payments during this deferment period, yet the bureaus continue to reflect 90-day and 120-day delinquencies. 

Additionally, there is a collection account from XXXX XXXX XXXX for a T-Mobile balance that I never received a validation notice for. This account is being reported to Equifax and TransUnion as unpaid with a balance of {$1100.00}, but I have not received documentation or verification as required under FDCPA 809. 

Experian is also reporting a charged-off account from XXXX XXXX XXXX listed as delinquent and charged-off with a balance of {$83.00}, but the timeline and reporting history show inconsistencies, including re-aging and inaccurate payment history. 

On top of that, multiple hard inquiries were reported on XX/XX/XXXX, from several auto finance companies ( including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). These inquiries were initiated by an auto dealer without my explicit written consent and violate FCRA 1681b ( f ). I did not authorize this number of credit pulls nor was I informed they would access multiple lenders at once. 

These items have not only caused financial damage but also hindered my ability to qualify for housing and funding. I demand full deletion of the listed accounts and inquiries under my rights per the FCRA and FDCPA. 

I am attaching my credit reports and supporting documentation with this complaint for full review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have unauthorized inquiries that I do not recognize. DELETE THEM

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 2025-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TriVerity, Inc.
State: OH

Complaint narrative:
on XX/XX/XXXX, I'm being told I owe money in the amount of XXXX but now it is XXXX. 
on my XXXX  account it is for the amount of XXXX dollars. as of today XX/XX/XXXX. 
as of XX/XX/XXXX, my account was closed but I am being hounded by a third party who has insisted that I owe them a debt. the third party name is triverity payment center. i received this letter from said credit collector on XX/XX/XXXX of XXXX which is the first time I've received any contact from them. I did not give XXXX XXXX XXXX XXXX permission to release any of my personal information. XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to explain my situation as I was experiencing a financial hardship to which they responded by repossessing my vehicle. they told me I could not pay my balance, then sold my car in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX15 USC 1681 Section 602 States I have the right to privacy.XXXX15 USC 1681 Section 604 A Section 2: It also states a\nconsumer reporting agency cannot furnish a account without my written instructions.XXXX13.8K\n15 USC 1666B: A creditor may n treat a payment on a credit card 456 account under an open end consumer credit plan as late fors,XXXX and purposeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtried dispute want answer calls due to their bankruptcy issue. XXXXamount XXXX XXXX XXXX XXXX installmentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInstallments. Paid off account and reported incorrect late payments. XXXX XXXX XXXX XXXXMy Wells Fargo correct balance is XXXX  on platinum card ending in XXXX. I have tried to dispute this multiple time through credit karma as it is showing my balance XXXX XXXXPlease help assist and thank 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a lot of inquiries that I didnt authorize or knew thats was on my report in XXXX and XXXX and I called the companys and talked to supervisors about the issue they told me they would look into it and contact me thaats was a month ago

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 2025-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I do not know what Monterey Collection Services is so this is another debt collector that has put unauthorized information on my credit report. i just know when i pulled my credit report lately it was on there and the amount of the debt is allegedly {$5800.00}. so i do not know what this is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
The original Credit Card debt Was with XXXX XXXX XXXX XXXX. I do not Recognize this company and/or Balance attached to my credit profile. The original account was sold so the balance was paid in full by Credit Collections Services with out my consent or No Formal Contract between I XXXX XXXX XXXX and Third Party Credit Collections Services. This illegal and Fraud. I Didnt not Contract with XXXX XXXX XXXX And I do not Recognize this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint against Synchrony Bank regarding my Care Credit account. My account was closed without prior warning, notification, or valid justification, and it has negatively impacted my credit report. I was completely blindsided by this closure. 

On Friday, XX/XX/XXXX, I received an alert from XXXX XXXX that my Care Credit account had been closed by the creditor and reported to the credit bureaus as a negative closed account. I did not receive any emails, phone calls, or physical letters from Synchrony Bank informing me of any account issues or intent to close the account. 

XXXX XXXX states the account was closed on XX/XX/XXXX, but this is inaccurate and misleading. I was able to attempt a payment after XX/XX/XXXX, and I had access to the account without any indication that it was restricted, locked, or closed. Synchrony later told me by phone that they mailed a closure letter on XX/XX/XXXX, and the Dispute Center now shows a closure date of XX/XX/XXXX. These inconsistent dates contradict what was reported to the bureaus. 

Furthermore, the account was allegedly closed due to two dishonored payments, which I was never informed about at the time they occurred. I have two accounts ( XXXX XXXX XXXX ) linked, and on occasion, I mistakenly used the XXXX account which doesnt allow withdrawals causing failed transactions. However, I never received warnings, return notifications, or a final notice informing me that dishonored payments could lead to account closure. Had I been notified, I would have corrected it immediately. 

To make matters worse, there is a balance reporting discrepancy : Synchrony reported to the bureaus that my account balance was {$460.00}, while the most recent email from them shows my balance as {$460.00}. This {$0.00} difference may seem small, but under the Fair Credit Reporting Act ( FCRA ), even minor inaccuracies must be corrected or removed.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing several collection accounts listed on my credit report that I believe are being reported in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These accounts were placed in collections without proper written notice or debt validation within five days of initial contact, as required by 15 U.S. Code 1692g ( a ).

Additionally, the information being reported by the debt collectors is either inaccurate, incomplete, or unverifiable. These derogatory entries are negatively impacting my credit standing, and I have attached documentation demanding their removal.

I am requesting immediate action to investigate and remove any collection account that can not be fully validated according to federal law. Continued reporting of unverifiable debt is a violation of my consumer rights.

I am disputing multiple accounts on my credit report that reflect late or missed payments, which I believe are being reported inaccurately or unfairly. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report only verified and complete information.

Some of these late payment notations fail to account for COVID-19 relief periods, hardship programs, or other mitigating circumstances, and others are more than seven years old, making them ineligible for reporting.

These payment histories are misleading and damaging to my credit profile. I am requesting that any late payment entry that can not be substantiated with complete accuracy be immediately removed from my credit report am disputing negative marks related to student loan accounts reported by the U.S. Department of Education or its affiliated servicers. These accounts reflect derogatory information or delinquencies that I believe were reported inaccurately or during periods of federal forbearance or pandemic relief.

Under the CARES Act and subsequent federal guidance, federally backed student loans were not to accrue interest or be reported as delinquent during designated relief periods. Despite this, negative information has appeared on my credit report in violation of those terms.

I am demanding a full investigation and removal of any student loan related derogatory information that can not be verified as accurate and compliant with federal relief protections and reporting laws

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 2025-07-20 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: FL

Complaint narrative:
I do not remember the exact date on which I contacted Mohela, but I know the most recent was in the beginning of XXXX. I also have called multiple times prior since learning ALL my student loans were DISCHARGED around XX/XX/year>. I also received an email around that time from the Department of Education also stating that I qualified for borrowers ' defense by default since I directly attended a school found at fault within that class action lawsuit. I believed they called it a " group discharge ''. Regardless, I was told my loans would be discharged, and all my payments made towards my student loan, which was {$19000.00} exactly, would be refunded. I've offered and even uploaded documents to Mohela to prove my loans were discharged, however, to this date ( XX/XX/year> ), Mohela still claims I owe {$18000.00} on XXXX consolidated loans, which were obviously from my multiple student loans, but ALL student loans were discharged, which would include anything " consolidated '', as I received that explanation once from a Mohela representative before. Now, most importantly, Mohela is beginning to warn me that my 0 % interest is about to expire and my next payment for this " discharged '' student loan is next month! Even XXXX XXXX Department of Education ) shows all my loans discharged EXCEPT from Mohela, that is now attempted to collect. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2025-07-20 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:
This is a follow-up to a prior CFPB complaint that XXXX XXXX XXXX responded to without resolving the issues. I am refiling because the company refused to investigate my dispute, the tradeline contains clear Metro 2 formatting errors ( Invalid date fields ), and I never received proper notice or final billing before being reported to the credit bureaus. Experian still shows the tradeline as Transferred to recovery without correcting the errors. I am requesting a full re-investigation and 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
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Send me the Florida Business License number and identify from XX/XX/year> to present when XXXX and XXXX XXXX XXXX was started and terminated during those 8 years also send the registered agent in Florida from XX/XX/year> to present include the agents name address the document number entity name the FEI number and the authorized person details, In addition send me the same information for the state of Texas Also identify the date and entity name while you serviced this mortgage, what entity was servicing the loan prior to you and who was the servicer you transferred the mortgage to after your servicing identify the exact entity name servicing this mortgage do you DBA any other entity?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc.
State: HI

Complaint narrative:
XX/XX/year>XXXX  LEGAL NOTICE FEDERAL TRADEMARK VIOLATION. REQUEST OF SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET HUMAN SIGNATURE. MATCHING THE SAME DATE, YOUVE STOLE MY IDENTITY GIVING ME THE RIGHT TO DISPUTE MATCHING REPORTED DATE OF THIS ALLEGED ACCOUNT TO MY CONSUMER REPORTS ALSO PLEASE SEND FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT PURCHASE AGREEMENT, SECURITIZED OF THE DEBT. WHO ARE YOU I HAVE NO BUSINESS WITH YOUR COMPANY PLEASE SEND CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS HARM DEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE I HAVE NO BUSINESS WITH FH CANN & ASSOCIATES I DIDNT GIVE A CONSENT TO USE THIS ESTATE : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
With respect to Chapter 41 : 15 U.S. Code 1681, I, XXXX, XXXX XXXX being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on, XX/XX/year>, there is some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 
It is the purpose of this title ( FCRA ) to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. 


Please See attached

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This account is being reported by LVNVXXXX XXXX and is marked as in litigation according to their CFPB response XXXX However, I have searched XXXX XXXX XXXX XXXX records and found no active or closed case matching this account. While I was allegedly served months ago, I have received no case number, judgment notice, or court documentation. 

Furthermore, this claim was never disclosed during previous disputes or communications with XXXX  ( or applicable bureau ), which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) to receive proper verification. 

At the time of alleged litigation, I had XXXX dependents and a minimal income due to XXXX XXXX XXXX. My reported income made me uncollectible under XXXX  law and federal garnishment guidelines. 

I am requesting that this account be immediately removed for failure to provide accurate and verifiable proof of debt or active litigation. If it can not be verified with complete documentation, it must be deleted per FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me an need to be removed. Thanks. 

XXXX XXXX XXXX XXXX TransUnion

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
To Whom It May Concern, I am formally requesting that you reinvestigate and remove the following inaccurate accounts from my consumer report, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) : XXXX XXXX These accounts are not accurate and continue to appear despite prior disputes. Their presence on my report is causing me financial hardship, credit denials, and reputational harm. If these accounts are verified again, I request that you provide a full method of verification and the furnishers response. 

Please complete your reinvestigation and respond to me in writing within the statutory time frame. I am including a copy of my ID and proof of address for verification. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation