vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In XX/XX/XXXX I refinanced this loan a new loan was created. This account should be closed it is still reporting a with a balance account ending in XXXX The account has not been paid since XXXX. This account just started reporting in XX/XX/XXXX XX/XX/XXXX reported 30 day late. Balance keep flucuating I have never received any correspondence to this loan, no billing statement no notice of delinquency and no communication indicating a payment being due. XXXX 's XXXX  is reporting late payments on account that was fully paid off/refinanced in XX/XX/XXXX. A whole year has passed with no payments being made. This is inaccurate. misleading, and a violation of FCRA reporting requirements.

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 2025-12-04 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:
I am disputing the following charged off accounts on my Experian credit report : Charged Off Accounts 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 : {$5900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 2025-12-04 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Formal Dispute Wells Fargo Misrepresentation of Deposit Amount ( XXXX  Verification Attached ) Wells Fargo Case # XXXX CFPB Case # XXXX I am submitting this formal rebuttal regarding Wells Fargos claim that the deposited cashiers check in question was for {$14000.00} and altered. I now have written confirmation from XXXX XXXX  XXXX. that directly contradicts Wells Fargos statements. 
XXXX response states : Cashiers Check # XXXX Issued XX/XX/year> Amount : {$35000.00} Issued to : XXXX XXXX This matches the check image and the Wells Fargo deposit receipt. 
This is the exact date it was deposited at Wells Fargo. Wells Fargos claim that the item was altered would require the check to be returned to the issuing bank. XXXX confirms this never happened. This directly disproves Wells Fargos assertion that the deposit was a {$14000.00} item. Wells Fargos own transaction history shows the account was funded with the full amount and those funds were made fully available. If the check were truly for {$14000.00}, the account would not have shown a {$35000.00} credit nor allowed spending down to {$14000.00}. 
The number {$14000.00} exactly matches my ending balance after transactions, not the deposit amount. This discrepancy appears to be an internal Wells Fargo error or misrepresentation.

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 2025-12-04 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid my final bill with Citibank on the due date. Citibank said that the payment didn't go through on their end and charged me interest on my next statement. I refused to pay the interest because I had documented evidence that I paid the payment on time. I proceeded to pay off all my purchases on time again, withholding the fraudulent interest charge. I closed my account. Citibank continues to charge me interest on the unpaid interest charge, which I refuse to pay on principal. It is now affecting my credit and I have called over half a dozen times to speak to someone. Citibank disconnects the call every time. They say they are getting a supervisor and then they hang up. It's infuriating and has cost me hours of my time. I also wrote a letter to their dispute center, and received no response. It's unethical to charge interest on a fraudulent charge.

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 2025-12-04 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:
To Whom It May Concern, I am writing to formally dispute the late payment information being reported on my Equifax consumer credit report. I am not disputing the accounts themselvesonly the late payment entries associated with them. These late payment reports are inaccurate and do not reflect my payment history correctly. I respectfully request an investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

Accounts with Disputed XXXX Payments XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Reason for Dispute : Late payments are being inaccurately reported. I have maintained timely payments and the reported delinquencies do not reflect my actual payment history. 

2. DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Reason for Dispute : Late payment entries are incorrect. These discrepancies need to be reviewed and corrected to reflect accurate reporting. 

3. DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Reason for Dispute : Reported late payments do not match my records and should be reverified for accuracy. 

4. DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Reason for Dispute : There are incorrect late payment notations. Please investigate and correct any inaccuracies. 

5. DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25.00} Reason for Dispute : Late payment information is inaccurately reported. Please verify and update to reflect the correct payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AUTOMOTIVE CREDIT CORPORATION
State: MI

Complaint narrative:
This complaint is not a repeat of my previous CFPB complaint. 
This complaint concerns a new violation under FCRA 623, specifically : The furnisher failed to respond properly to my Direct Dispute submitted under FCRA 623 ( a ) ( 8 ).

I sent the furnisher a direct dispute requesting : Full account documentation Payment history logs Itemization of charges Proof of ownership Verification of reporting accuracy The furnisher did not provide the required information and instead gave generic or incomplete statements that do not meet the requirements of 623.

This complaint is strictly about their failure to comply with FCRA 623 dispute obligations, which is a different issue from the earlier accuracy-related complaint.

I am requesting CFPB assistance to require the furnisher to : 1. Complete a proper 623 investigation 2. Provide the required documentation 3. Remove any information they can not verify

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 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PRIMARY RESIDENTIAL MORTGAGE
State: PA

Complaint narrative:
Note signed XX/XX/year>. XXXX. Data breach XXXX, XXXX XXXX  XXXX  XXXX XXXX. Loan assigned to PRIMARY RESIDENTIAL MORTGAGE INC. I have requested multiple times throughout my mortgage loan for any and all SEC, TRUST accounts, Assignments, interrogatories, QWRs, and IRS filings and identify theft has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am disputing the following accounts and inquiries on my credit report with Experian. The information provided is inaccurate or incomplete. I request that the Experian credit report be updated and corrected as necessary. 

Charged Off Accounts : 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

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 2025-12-04 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 filing this complaint because certain information being reported by the credit bureaus appears inaccurate, incomplete, inconsistent, or unverifiable. I am requesting a full reinvestigation under the FCRA. My disputes are listed below by bureau. 
Charged-Off Accounts in Dispute 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 XXXXXX/XX/XXXX Balance : {$0.00} Reason for dispute : These accounts are being reported as charged off or derogatory despite showing {$0.00} balances and lacking supporting documentation. I request full verification including account ownership, payment history, and documentation supporting the charge-off status. If proper evidence can not be provided, these items must be 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 2025-12-04 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX  / TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === 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 XXXXXX/XX/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 2025-12-04 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: MS

Complaint narrative:
I am filing this complaint because XXXX is inaccurately reporting a closed child-support account with late payments and derogatory marks, even though : I do not owe a balance ( reported balance : {$0.00} ). 

The account is closed, yet TransUnion is still reporting payment history and derogatory information. 
The furnishers are required under the Fair Credit Reporting Act ( FCRA ) to ensure all information reported is accurate, complete, and not misleading. 

The account contains missing information, such as no monthly payment amount, no term, and incomplete remarks, yet still shows months of late payments dating back years which is inaccurate and unverifiable. 

Child support reporting must comply with FCRA 602, 607 ( b ), and 623 ( a ) ( 1 ) ( A ). 

Reporting a closed account with a {$0.00} balance while simultaneously showing years of late payments is misleading and damaging to my credit profile. 

This reporting does not reflect my actual payment history and does not match the status communicated by the agency.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Re : Alleged Debt for Midland Credit Management , Inc . 
XXXX XXXX XXXX. : XXXX Your File No. : XXXX Balance Listed : {$800.00} Original Creditor : XXXX ( disputed ) FORMAL NOTICE OF DISPUTE, DEMAND FOR VALIDATION, AND CEASE & DESIST To Whom It May Concern : I am writing because I recently received notice of a wage levy involving an alleged debt you claim is owed to Midland Credit Management , Inc . I am notifying you that : I DO NOT RECOGNIZE THIS DEBT. 

I do not recognize the account, the creditor, the balance, or any contract associated with it. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), this letter serves as my formal dispute of the alleged debt and a demand for full validation. 

You must provide : 1. The name and address of the original creditor ; 2. A copy of any signed contract or agreement bearing my signature ; 3. A complete, itemized accounting showing how the balance of {$800.00} was calculated ; 4. A copy of the judgment you claim to be enforcing ; 5. All assignments, transfers, or sale records showing the legal chain of ownership from XXXX to Midland ; 6. Proof that your firm has the legal authority to collect and enforce this alleged debt ; XXXX. All garnishment-related filings, including the writ of execution. 

Until you provide this documentation, you must : STOP ALL COLLECTION ACTIVITY IMMEDIATELY, including but not limited to wage garnishment efforts, employer contact, mailings, calls, and court filings. 

Attempting to collect any debt that has been disputed and not validated is a violation of federal law. Any further attempt to collect without proper validation will be documented and may result in legal action under : FDCPA ( 15 U.S.C. 1692 ) FCRA ( 15 U.S.C. 1681 ) Minnesota Statute 33XXXX CEASE & DESIST CONTACT INSTRUCTIONS You are hereby instructed to cease all telephone communication with me. 
All communication must be in writing only to the address listed above. 

If you can not validate the debt, you must : Withdraw the garnishment, Notify my employer to stop all withholding, and Update all credit reporting agencies to remove the account. 

Thank you for your cooperation. Please respond within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXXn credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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