vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is not reporting my information to the credit reporting agency accurately, because each credit reporting agency is reporting each student loan account information differently. Example - account 1 has {$100.00} balance, this same account, account 1 should show a balance of {$100.00} with all three credit bureaus with the same account #. This is not happening with Dept. Of Education accounts with XXXX XXXX. 
It needs to be corrected with each XXXX student loans on my credit reports or remove all 10 student loan accounts immediately.

See attached Transunion credit report shows 10 different student loans with the exact same account number and balances that are not the same as equifax and experian.

Equifax credit report show all 10 student loan accounts with different account numbers ending with four digits and balances that is totally different from experian and transunion credit reports.

Experian credit report show all 10 student loan accounts with balances only, no account numbers, balances different from Transunion and Equifax.

Per the laws with FCRA and FACTA, this information should be reported accurately, and could lead to a violation fine of $ XXXX for each violation Correct or remove 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 non-monetary relief
Consumer complaint received 2025-11-17 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:
XXXX is not reporting my information to the credit reporting agency accurately, because each credit reporting agency is reporting each student loan account information differently. Example - account 1 has {$100.00} balance, this same account, account 1 should show a balance of {$100.00} with all three credit bureaus with the same account #. This is not happening with Dept. Of Education accounts with Nelnet Servicer.

It needs to be corrected with each 10 student loans on my credit reports or remove all 10 student loan accounts immediately.

See attached Transunion credit report shows 10 different student loans with the exact same account number and balances that are not the same as equifax and experian.

Equifax credit report show all 10 student loan accounts with different account numbers ending with four digits and balances that is totally different from experian and transunion credit reports.

Experian credit report show all 10 student loan accounts with balances only, no account numbers, balances different from Transunion and Equifax.

Per the laws with FCRA and FACTA, this information should be reported accurately, and could lead to a violation fine of $ XXXX for each violation Correct or remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a dispute regarding the inaccurate reporting of several accounts listed on my credit report. Below is a detailed description of the accounts in dispute, which have been reported incorrectly or incompletely. I request that the items be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XX/XX/XXXXXXXX Date Reported : XX/XX/XXXX Amount : {$1400.00} Inquiries : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Late Payments : XXXX XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I called Rocket Mortgage at XXXX PM, XXXX PM, and XXXX PM regarding the Servicemembers Civil Relief Act ( SCRA ). I submitted my XXXX XXXX orders to Rocket Mortgage on XX/XX/year>, at approximately XXXX PM. I called again on XX/XX/year>, at XXXX AM to check the status of my request. I was told that my orders would need to be signed by the XXXX or XXXX of XXXX for Rocket Mortgage to accept them. 

To clarify my eligibility, I called the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, at XXXX AM. The CFPB informed me that I do qualify for protections under the SCRA and should receive a reduction in my interest rate. I relayed this information to Rocket Mortgage during another call on XX/XX/year>, at XXXX AM. Rocket Mortgage told me there was nothing further they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: PA

Complaint narrative:
I am submitting a follow-up to my complaint because EdFinancial has still not issued the refund owed to me after the Department of Education XXXX  XXXX CEHE loans under the Borrower Defense program .

These loans were fully forgiven, and I received a formal Borrower Defense discharge notice from ED. Under federal rules, I am entitled to : A refund of all wage garnishments A refund of all federal tax refund offsets A refund of all Treasury offsets A refund of all voluntary or involuntary payments A refund of any interest I paid Full correction of my credit reporting Although the loans were XXXX, EdFinancial did not issue any refund, did not explain the delay, and did not provide a refund timeline.

This violates : Borrower Defense to Repayment regulations Higher Education Act servicing requirements Federal servicing rules for reporting and refunds FCRA obligations for accuracy and correction I am asking the CFPB to require EdFinancial to : Provide the total amount of refund owed Provide the dates refunds were processed Explain why no refund has been issued Immediately issue all refund amounts owed Confirm correction of my credit reporting Provide a written explanation for the delay EdFinancial must return the garnished wages, tax offsets, and all payments made on the fraudulent CEHE loans. I request CFPB oversight to ensure compliance. 

Thank you. 

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
This company reported a medical collection to the credit bureaus but has not provided proper validation as required under 15 USC 1692g. Their response to my initial dispute was generic and did not include any documentation proving : the debt is mine, a HIPAA-compliant authorization, itemized billing, chain of title, proof they have the legal right to collect. 

They claim they mailed verification, but the only item I received was a generic form letter with no supporting evidence. This does not meet the legal requirement for validation. 

They are continuing to furnish negative data to the credit bureaus without proper verification and without providing a method of verification, which violates FCRA 611 and FDCPA 809 ( b ). 

I am requesting that CFPB require the company to provide actual validation or have the account removed from all credit bureaus for failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: DC

Complaint narrative:
There are fraudulent collections from XXXX XXXX XXXX on my credit report. This is not my account. I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and Police Report. See attached documents. I request to remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX \nTel: XXXX XXXX XXXX \n\n1XXXX XXXX XXXX XXXX, GA XXXX\n\nRe: Request for Debt Validation  Account # XXXX\n\nTo Whom It May Concern: \n\nI am writing in response to your claim regarding an alleged medical debt. This letter is a request for validation of the debt as provided for by the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g. \n\nPlease provide the following: \n\nProof that I am legally obligated to pay this debt, including a copy of any agreement bearing my signature. \n\nThe name and address of the original medical provider, along with the date of service(s). An itemized statement of all charges, payments, adjustments, and the amount you claim I owe. \n\nProof of your legal authority to collect, including your license information and whether you are authorized to collect in my state. \n\nDocumentation that this debt is not time-barred by the statute of limitations in Georgia. \n\nA copy of any assignment or transfer agreement that gives you the right to collect this debt. Until you provide the above documentation, this alleged debt is disputed. Under the FDCPA: \n\nYou must cease all collection activities until proper validation is provided.\nYou may not report this debt to any credit bureau, and if it has already been reported, you must request its removal until validation is completed. \n\nPlease note that I am keeping detailed records of all correspondence for my records. If you cannot provide the requested proof, you must cease all collection efforts and remove any related information from my credit file. This letter is not an admission of liability and does not waive any of my rights under federal or state law. \n\nSincerely, \nXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-17 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:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report provided by Experian. I believe that there are discrepancies and inaccuracies in the reporting of these accounts. Please investigate the accuracy of the details and make the necessary corrections. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TN

Complaint narrative:
I am filing this complaint because Experian is reporting multiple accounts that are inaccurate, incomplete, inconsistent across bureaus, and unverifiable under the Fair Credit Reporting Act. I submitted a written dispute with full documentation but Experian responded with a generic " verified '' statement without conducting a proper reinvestigation or providing the legally required Method of Verification.

Experian is reporting a repossession and several charge-offs and derogatory accounts with missing information inconsistent dates, contradictory balances and conflicts with the data reported by Transunion and Equifax. These issues violate FCRA 602 and 607 ( b ) because Experian is required to ensure maximum possible accuracy. 

The repossession is especially problematic because Experian has not provided any proof of how it was verified. No Notice of Intent to Sell, Notice of Deficiency sale documentation, auction proof or itemized deficiency balance has been provided. Without these documents, the repossession can not be verified and is being reported inaccurately.

For the remaining disputed accounts, Experian has failed to provide the Method of Verification required under 611 ( a ) ( 6 ) and 611 ( a ) ( 7 ). Experian has not disclosed the procedures used, the documentation reviewed, or the furnisher contact information.

I am alleging : -Failure to conduct a lawful reinvestigation -Failure to provide Method of Verification -Reporting inaccurate and incomplete information -Cross-bureau inconsistencies XXXX compliance violations -Continued reporting of unverifiable data -Use of automated e-OSCAR verificstion instead of reviewing my documents

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 2025-11-17 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: AZ

Complaint narrative:
Please evaluate the provided content ; the requests arrived without prior communication and could be unvetted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am submitting a complaint regarding an unfamiliar and unexplained charge that appeared on my American Express account under the name XXXX XXXX XXXX XXXX XXXX. 

I have no idea what this charge refers to, and I did not authorize any transaction with that description. Although it appears that American Express may have issued a credit afterward, the situation is unclear and concerning. The presence of this unknown charge makes me worry about the security of my card information and the possibility of future unauthorized charges or improper credits.

I contacted American Express, but I did not receive a clear or detailed explanation of : what this charge represents, why it was posted, or why a credit was issued afterward.

This lack of clarity makes me feel uncertain about the safety of my account and whether this issue could happen again.

I request that the Consumer Financial Protection Bureau assist by asking American Express to : Thank you for your assistance.

Company response to consumer: Closed with explanation