vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: Nelnet, Inc.
State: WI

Complaint narrative:
I submitted one payment to Sloan Servicing on XXXX for {$95.00}. 

On XXXX, two payments in the amount of {$95.00} were withdrawn from my checking account, but only one payment posted on my Sloan account. 

I tried to contact Sloan to ask how they would mitigate this error, and the person on the phone said there was no one present to help me at this time and I would have to call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
1681i.

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 2025-10-14 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I always schedule my payment at least 2 weeks before the due date. I decided to pay this card off in XXXX since the promotion was over. This started in XXXXXXXX XXXX. I have all my records and the names of the people that I spoke with to schedule the payment and dates and confirmation numbers. My payment was never submitted and I kept calling and getting different answers. Finally, I went in and had a meeting with our local branch manager. She couldnt figure out what was happening and made phone calls to her superiors. I wrote another check at that branch and she made the payment, or so we thought and paid the amount, same amount, she said was due. I am still getting interest and late fee charges and emails stating that I owe these charges. That is impossible. I have a letter from Wells Fargo stating that they did nothing wrong and I am responsible. This is impossible. I have never been late for any payments with any company. Thank you for any help or guidance you can give 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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a You have an obligation to resolve this. letter dated XX/XX/XXXX from Midland Credit Management ( MCM ). The letter stated that MCM has been attempting to contact me regarding an outstanding debt obligation ( {$390.00} ). 
I am not aware of any previous attempts by MCM to contact me. In the letter, MCM identified the original creditor as XXXXXX/XX/XXXX with the original account number ending in XXXX, and a charge-off date of XX/XX/XXXX. I confirmed through my credit reporting agency that there were no previous credit inquiries regarding this completely inaccurate account information. This morning, I also confirmed with XX/XX/XXXX that I have never had an account ending XXXX. The account I do have with XXXXXX/XX/XXXXwas opened in XX/XX/XXXX, and remains open, with never having any late payments. My credit reporting agency andXX/XX/XXXXvalidate my account information as true and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
EdFinancial Student Loan Provided - again they ignored my complaint in this latest report findings. The promissory note XXXX document they sent to me does not have my own actual signature on it. It has some automated signature which is not mine and is also something I did not agree too. I have told them many timed I do not agree to this XXXX  promissory note document and did not ask for it or sign or agree to it.. But then refuse to acknowledge that this is not my actual signature and just kept sending me the same information over and over again, ignoring my complaints. This is again what they did this time. Therefore, I can not get this problem resolved through them- they just ignore my statements that this is not my actual signature. It is automated which I did not agree to nor did I allow anyone to use my name. Someone did this without my permission. 

Also they are reporting on my credit report a sum XXXX higher than what they state I owe. So this is another problem, which affects all of my credit reports with in accurate information. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I woke up and discovered that my vehicle was gone. I did not receive any prior notice, phone call, or written warning that my car would be repossessed or taken. I have been trying to contact the lender/repo company to get an explanation or a chance to recover my belongings, but they have not responded or provided any clear information. 

The company has not provided documentation of the repossession, balance due, or sale details. I believe they did not follow proper notice requirements and may have taken my vehicle without giving me a chance to make payment arrangements or verify my account status. 

I am requesting that the CFPB review this issue and require the company to explain their actions and provide full documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I opened an account with Wells Fargo and they had a promo that if you deposited over XXXX you would get XXXX $ bonus after 90 days. Ive gotten my XXXX bank statement last week and the XXXX still hasnt hit. My sister who has done the same promo they released her bonus way before the 90 day period. Which is weird theyre making me wait so long. All in all. It all should be done fairly. I shouldnt have to wait until the end of the period of the promotion. To recieve my bonus. When my sister got her bonus within a month of completing requirements. It should be the same for everyone.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported late payment by XXXX XXXX XXXX XXXX that appears on my XXXX  and Equifax credit reports under the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This late payment entry is both misleading and unsupported by verifiable documentation. I have made multiple attempts to resolve this issue directly with XXXX XXXX XXXX XXXX and through formal disputes with the credit bureaus, but my concerns have been dismissed without a proper reinvestigation as required under federal law. The responses I have received thus far are automated verified results with no substantiated evidence or account-level details to justify the continued reporting of this alleged delinquency. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), furnishers are required to conduct a reasonable investigation upon notice of a consumer dispute and ensure that only accurate and verifiable information is reported. XXXX XXXX XXXX XXXX failure to provide any documentation confirming the validity and date of this alleged late payment demonstrates a breach of this duty. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus must maintain reasonable procedures to assure maximum possible accuracy of the information they report. Continuing to display this late payment without evidence of its legitimacy directly violates that obligation. 

This entry also raises significant inconsistencies. Based on my own payment records and past correspondence with XXXX XXXX XXXX XXXX, there was no payment due or missed in XX/XX/2019 that would justify a delinquency mark. The timeline appears artificially adjusted to extend the reporting of a negative item, which would be considered a deceptive practice under the FCRAs accuracy and fairness provisions. Moreover, if XXXX XXXX XXXX XXXX claims that a late payment occurred, it must provide documentationsuch as billing statements, correspondence, or transaction ledgersthat substantiate when the payment was due, when it was received, and how the delinquency was calculated. 

The continued appearance of this false late payment has caused measurable harm. It has negatively impacted my credit score, limited my ability to secure favorable credit terms, and undermined my financial stability. It is distressing to experience the same unverified information circulating across multiple credit bureaus despite repeated, good-faith efforts to correct it. These ongoing inaccuracies reflect a systemic failure to uphold the accuracy and verification standards that the FCRA mandates to protect consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold an item using PayPal XXXX and XXXX. The buyer filed a not as described claim. PayPal refunded the buyer but never required them to return the item or provide any tracking information. This violates PayPals Seller Protection policy, leaving me without my item or my money. 
I contacted PayPal support multiple times, and they said theyd review it, but no action has been taken. I am requesting PayPal to reopen and review the case properly under Seller Protection terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Ive noticed collection accounts on my credit report that I believe may be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a report that reflects only verified and accurate information. I am requesting a verification of these accounts, and if they can not be confirmed, they should be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am exercising my rights under the FCRA. This account was deleted and then reinserted without written notice within 5 days, which is a violation of the law. I need it to be removed 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 2025-10-14 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation