vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been using a XXXX XXXX credit card since XX/XX/year>. It has been over 6 months, but my credit history and credit score are still not showing on Equifax. 

On XX/XX/year>, Equifax only recorded the initial hard pull and a soft pull, but no ongoing account activity, payment history, or credit score. However, on XXXX, I can clearly see my credit history and credit score reported by XXXX XXXX. 

On XX/XX/year>, I called Equifax customer service. They told me that XXXX XXXX did not report to Equifax and advised me to contact XXXX XXXX. But when I contacted XXXX XXXX, their representatives confirmed that they report my account information to all three credit bureaus every month. Since XXXX  shows my account history and score, it proves that XXXX XXXX is indeed reporting. 

This issue is causing harm to my credit profile because my Equifax file remains incomplete and does not reflect my actual credit usage and payment history. I request Equifax to investigate and fix this reporting issue immediately, and ensure my XXXX XXXX account is properly reflected in my Equifax credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
Concora Credit approved me for XXXX credit cards/raised my credit limit even though my income and financial situation at the time made it unaffordable for me to reasonably repay the balance. I believe they did not properly consider my ability to make the required payments, as required under the Credit CARD Act. 

As a result of being granted unaffordable credit, I experienced significant financial hardship. I relied on credit to cover basic living expenses, quickly accumulated a balance I could not manage, and was charged repeated interest and fees. This situation worsened my debt rather than providing me fair access to credit. 

What I am requesting : A review of how my account was approved/credit limit increased given my financial circumstances. 
Refund of interest and fees that were charged on amounts that should not have been extended to me. 
Adjustment of negative credit reporting associated with this unaffordable debt.

I believe Concora Credit engaged in irresponsible and unfair lending practices by extending me credit that was clearly unaffordable. 

I am only able to pay the bare minimum right now and as you can imagine that number never recedes only stays the same or becomes higher once the fees hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I was trying to purchase a car and I had damaging information on my credit report. According to law 15 U.S.C 1681 LAW, there should not be any damages on your credit report. Its a defamation to my credit report/character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
I was trying to purchase a car and I had damaging information on my credit report. According to law 15 U.S.C 1681 LAW, there should not be any damages on your credit report. Its a defamation to my credit report/character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Debt Validation Pursuant to FDCPA, 15 U.S.C. 1692g Account XXXX. : XXXX Date Opened : XX/XX/2024 Balance Reported : {$5900.00} Dear Portfolio Recovery Associates, I am formally requesting validation of the alleged debt referenced in your communication and as reported on my Experian credit report under account number XXXX, opened on XX/XX/2024, with a reported balance of {$5900.00}. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is not a refusal to pay, but a request for you to provide complete validation of the alleged debt. Until you provide full verification, you must cease all collection activities per 15 U.S.C. 1692g ( b ).

Specifically, I am requesting : 1. Full validation of the alleged debt including an itemized statement showing the original creditor ( XXXX XXXX. ), account number, balance, and any interest or fee calculations. 
XXXX. Proof of ownership and chain of assignment copies of all assignments, transfers, or sale agreements proving your legal right to collect. 
XXXX. A copy of the original signed contract or agreement that allegedly created this obligation. 
XXXX. The name, address, and license information of your agency and any third parties involved. 
XXXX. The date of last payment and complete account history. 

Per 15 U.S.C. 1692g ( b ), if you can not provide the above within 30 days of receiving this letter, the debt is considered invalid, and you must immediately cease all collection activity, including reporting this account to Equifax, Experian, and TransUnion.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are prohibited from reporting inaccurate or unverifiable information. If this alleged debt continues to be reported without validation, I will file complaints with the CFPB, the FTC, and my State Attorney Generals Office, and I will pursue a civil lawsuit seeking actual damages, statutory damages, and attorneys fees. 

This letter also places you on notice regarding timeliness in correcting or deleting inaccurate credit reporting. If this account is not validated or removed within the required time frame, I will pursue litigation without further notice. 

Please note that any continued collection activity or negative credit reporting without validation will constitute willful noncompliance and a violation of 15 U.S.C. 1692k. 

I expect your response within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
CFPB Complaint : Aidvantage/Dept . of Education FCRA, XXXX XXXX, Identity Theft, Survivor Rights, and Process Failures Previous CFPB complaint # : XXXX Narrative I am a documented survivor of human trafficking and a victim of identity theft through the 2017 XXXX  data breach ( named class member ). My information has been used to fraudulently open multiple education loan accounts serviced by Aidvantage/Dept . of Education, which have appeared on my credit reports. I have never applied for, benefited from, or authorized these loans. 

Despite submitting all required documentation FTC Identity Theft Affidavit, police report, certified human trafficking victim determination Aidvantage has failed to properly discharge or block these accounts. 

My payment summaries for these accounts show clear, willful violations of federal law and XXXX XXXX industry standards : ND ( no data ) codes for most months, then a sudden jump to 90 days late, 120, and 150, with no prior 30- or 60-day late history. 

Non-sequential delinquency and incomplete payment data Mathematically impossible balances and 0 % paid off coding Failure to provide proper debt validation or original contracts These practices violate federal statutes : FCRA 605B : Requires blocking/deletion after identity theft notice and documentation.

FCRA 605C : Requires blocking/deletion for certified human trafficking survivors.

FCRA 607 ( b ) : Mandates maximum possible accuracy ; non-sequential lates and ND reporting are willfully false.

FCRA 611 : Requires reasonable reinvestigation and method of verification. 

XXXX XXXX standard : Mandates proper and consecutive payment history coding, which is not being followed. 

Failed Attempts to Resolve I completed detailed complaints with all supporting evidence through the Department of Education Feedback Center and Ombudsman portals, but both systems were/are unavailable due to federal outages.

I am attaching screenshots of the error pages, my completed complaint, and evidence of good-faith effort to resolve the issue internally. 

My previous CFPB complaint ( # XXXX ) did not produce relief, instruction, or correction. Aidvantage failed to provide their fraud packet, clear direction, or substantive communication. 

Ongoing Harm Loss of more than XXXX points on my credit score Denial of a {$480000.00} mortgage and repeated housing opportunities Extreme economic and emotional hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to formally dispute the incomplete or missing information on my ChexSystems report, which I believe is causing undue harm to my reputation and financial standing. I have reviewed my report and found significant data omissions, which I believe have led to inaccurate reporting and defamation of my name. As a result, I am requesting an investigation and resolution of these issues. 
I am particularly concerned that the absence of key data has contributed to defamation, as it creates a misleading picture of my financial history. The missing data includes [ briefly describe the specific missing information, such as account history, transaction details, or other relevant financial data ]. This incomplete information is causing significant harm, as it is preventing me from accessing certain financial services, causing reputational damage, and potentially affecting my ability to open bank accounts or secure financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
I am submitting this complaint to report violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. by the major credit reporting agencies TransUnion, Experian, and Equifax and certain furnishers of data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  ). 
I have disputed the following information with the credit bureaus, and the response from each has failed to comply with FCRA procedural requirements, including : Failure to conduct a reasonable reinvestigation under 1681i ( a ) after receiving my disputes, Failure to verify the information using proper documentation as required under 1681s-2 ( b ), Continued reporting of inaccurate or misleading data, in violation of 1681e ( b ). 
Despite my dispute letters and documentation, I received only vague responses like verified as accurate with no explanation of what was verified or how. No supporting documentation, account-level proof, or identity verification was provided, which violates the FCRA 's mandate for reasonable procedures and maximum possible accuracy.

Details by Bureau : TransUnion Is reporting a bankruptcy record allegedly that XXXX pulled from XXXX without verifying identity or legal accuracy. 
These accounts continue to show derogatory statuses despite the lack of verified documentation. 
Experian Is reporting XXXX XXXX, XXXX, and XXXX  accounts with inaccurate late payments. 
No verification documents were provided in response to my disputes, and Experian continues to report the same tradelines despite my request for procedural evidence. 
Equifax Is reporting a XXXX account with both late payments and a charge-off status, despite no verification of this reporting. 
Equifax has not provided evidence of a reasonable reinvestigation or source documentation.

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 2025-09-01 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: IL

Complaint narrative:
I am submitting this complaint to report violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. by the major credit reporting agencies TransUnion, Experian, and Equifax and certain furnishers of data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  ). 
I have disputed the following information with the credit bureaus, and the response from each has failed to comply with FCRA procedural requirements, including : Failure to conduct a reasonable reinvestigation under 1681i ( a ) after receiving my disputes, Failure to verify the information using proper documentation as required under 1681s-2 ( b ), Continued reporting of inaccurate or misleading data, in violation of 1681e ( b ). 
Despite my dispute letters and documentation, I received only vague responses like verified as accurate with no explanation of what was verified or how. No supporting documentation, account-level proof, or identity verification was provided, which violates the FCRA 's mandate for reasonable procedures and maximum possible accuracy.

Details by Bureau : TransUnion Is reporting a bankruptcy record allegedly that XXXX pulled from XXXX without verifying identity or legal accuracy. 
These accounts continue to show derogatory statuses despite the lack of verified documentation. 
Experian Is reporting XXXX XXXX, XXXX, and XXXX  accounts with inaccurate late payments. 
No verification documents were provided in response to my disputes, and Experian continues to report the same tradelines despite my request for procedural evidence. 
Equifax Is reporting a XXXX account with both late payments and a charge-off status, despite no verification of this reporting. 
Equifax has not provided evidence of a reasonable reinvestigation or source documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I attended a local XXXX of XXXX celebration and used my Wells Fargo debit card to purchase snow cones. Within XXXX minutes, over {$5000.00} in concert ticket purchases that I neither authorized nor knew about were being charged to my account. I called Wells Fargo immediately and reported/disputed the charges. I spoke to them the following Monday and went over all the fraudulent charges. 

Wells Fargo gave me a provisional credit for the full amount within a few days. They later found in favor of both XXXX XXXX and XXXX XXXX. 

I did not authorize any of these charges. I can not afford to lose this money and do not have the means to hire an attorney to fight them. 

Is there any recourse for me?

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 2025-09-01 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-01 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Rent Recovery Solutions is attempting to collect a debt I do not owe and is inaccurately reporting it to the credit bureaus. The alleged debt ( Account # XXXX ) is for XX/XX/year> rent for a property where my tenancy had already ended on XX/XX/year>. 

I sent a formal dispute letter via certified mail requesting full validation of the debt. In response to a subsequent investigation request from Experian, Rent Recovery Solutions knowingly verified this false information as accurate. This action is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

They are attempting to use an arbitrary and incorrect internal " XXXX XXXX '' date of XX/XX/XXXX from their own client 's ledger to justify this charge. This is a bad-faith tactic, as my legally binding lease at a new property ( which I have attached ) proves my tenancy had ended and I was living elsewhere as of XX/XX/year>. Rent Recovery Solutions is continuing to report a debt they know is invalid and have failed to properly validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A Wells Fargo Credit Card was opened in my name fraudulently, due to so many data breachs my SS number has been in over XXXX Company 's Data Breachs.

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 2025-09-01 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: CO

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation